Individual Insurance Market Competition (HHI by state)
KFF
- Rows
- 51
- Years
- 2024
- Accessed
- Jun 23, 2026
Canonical indicator / state-health-leader-share
Largest insurer's share of the ACA-regulated individual market in each state.
Snapshot median
47.0%Middle of 51 bounded observations01 / Measurement contract
The unit, universe, period, and source boundary travel with every observation.
Largest insurer's share of the ACA-regulated individual market in each state.
State indicators describe the 2024 ACA-regulated individual health insurance market only. They do not measure a state's overall economy or employer-sponsored insurance.
02 / Observed variation
2024; absent and withheld values do not enter the distribution.
03 / Coverage and quality
Observed rows are counted explicitly by period, group, verification status, and confidence level.
Data status
100.0%Estimated public / 51Confidence
100.0%High / 51| Group | Rows | Average | Range |
|---|---|---|---|
| South | 17 | 51.1% | 38.0% to 81.0% |
| West | 13 | 46.3% | 26.0% to 74.0% |
| Midwest | 12 | 43.6% | 23.0% to 75.0% |
| Northeast | 9 | 52.1% | 30.0% to 73.0% |
04 / Exact paired lens
State HHI and largest-insurer share for the same 2024 ACA individual market.
-1 inverse 0 +1 aligned
Interpretation boundaryState indicators describe the 2024 ACA-regulated individual health insurance market only. They do not measure a state's overall economy or employer-sponsored insurance. Association between the two measures does not establish causation.
05 / Source custody
1 source family, 0 contextual references, and 1 encoded methodology note.
KFF
KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.
Indicator evidence guardrail
This profile documents one bounded indicator at a time. Its ranks, distributions, histories, and paired views remain inside the stated universe, period basis, source, unit, and methodology; they are descriptive research screens, not legal findings or components of a composite score.
State indicators describe the 2024 ACA-regulated individual health insurance market only. They do not measure a state's overall economy or employer-sponsored insurance.