That makes it highly concentrated on the HHI scale — past the 2,500 line of the 2010 merger guidelines, and well past the 1,800 line the agencies' 2023 Merger Guidelines use.
3,650
1,5002,500CompetitiveMonopoly
Ranks #5 of 12 tracked markets by HHI.
Evidence atlas
Source to public action route
60%
Public coverage0 share rows
Live evidence packetMetric routed3,650 routes through public methodology
Reusable rows651 sources, 0 share rows
Public actionImmediate reviewKeep the market on a public watchlist and require reusable concentration data at each major industry update.
Data
2024
Estimated
Packet
65 rows
1 core source
Action
Immediate review
HHI 3,650
Public stake
Health insurance
Concentrated markets turn everyday access into private leverage.
Evidence posture
Estimated
65 reusable rows across 1 core source.
Government duty
Immediate review
Keep the market on a public watchlist and require reusable concentration data at each major industry update.
HHI
3,650
Highly concentrated
Top firm
N/A
Market share
CR4
N/A
Top 4 firms
Data status
Estimated
Based on public shares
Confidence
High
Methodology limits
Review flags
1
Immediate review
Source-backed concentration profile
KFF publishes 2024 national and jurisdiction-level HHI, leading-insurer share, and counts of insurers above 5 percent for the ACA-regulated individual market.
Observatory market brief
Individual insurance: highly concentrated in the latest public screen.
The latest 2024 screen reports HHI 3,650, classified as highly concentrated. The profile currently has one comparable concentration snapshot, so no direction is assigned.
01
Latest structure
HHI 3,650
The latest 2024 screen reports HHI 3,650, classified as highly concentrated.
02
Published change
No comparable series
The profile currently has one comparable concentration snapshot, so no direction is assigned.
03
Evidence custody
1 custody record
1 record in the evidence custody chain, 0 latest share rows, 0 linked official records, and 1 related brief support this profile. Status is estimated public with high confidence.
Comparison window
Series status
2024 evidence
The profile currently has one comparable concentration snapshot, so no direction is assigned.
Measured-market context#5 of 8latest sourced HHI rank
Public research question
How does the published concentration screen vary across relevant geographic markets, customer groups, and later source releases?
Immediate review
Keep the market on a public watchlist and require reusable concentration data at each major industry update.Open public-action route
Market-definition contract
Read the boundary before the metric.
This profile’s concentration claims apply only to the product, geography, denominator, and measurement basis documented below.
Source definedhigh confidence2024 basis
Product boundary
ACA-regulated individual health insurance represented in the KFF competition dataset
Geographic boundary
United States for the canonical national profile; states and the District of Columbia remain separately reported jurisdiction screens
Measurement basis
KFF source-reported HHI, leading-insurer share, and count of insurers above 5 percent
Denominator
Enrollment represented in KFF's 2024 ACA-regulated individual-market analysis
Included
The national HHI anchor and complete 51-jurisdiction state concentration cross-section
Excluded
Employer-sponsored insurance, Medicare, Medicaid, other insurance products, insurer identities and common control, and any causal or legal conclusion
Cross-market use
Screen only
Time-series use
Snapshot only
Method note
Publish the source-reported national HHI as the market-profile anchor and retain every jurisdiction row in the linked state atlas with the KFF methodology note.
This is a one-year cross-section of a source-defined insurance market. Jurisdiction measures do not identify insurers, establish competitive effects, or extend to other insurance products.
Boundary source
Individual Insurance Market Competition (HHI by state)
KFF · accessed 2026-06-23
Declared economy screen / navigation only
NAICS 524114 / Direct health and medical insurance carriers
2022 national industry HHI 649.3; this does not redefine or validate the market above.
The same 0-10,000 HHI scale does not make different product, geographic, or denominator definitions economically interchangeable. Cross-market HHI is a descriptive screen only.
Evidence timeline
Follow the profile from source record to public action.
Each profile should read like an inspectable research route: source access, concentration metric, participant table, official policy chronology, briefing, and the government question it creates.
Strong public profiles are navigable. This view connects the current market to sector peers, concentration peers, and disclosure-gap peers using the public metrics already in the observatory. Node size follows published HHI; withheld HHI uses the smallest marker.
KFF. Discrete public anchors only; missing years are not interpolated.
Selected release
2024
United States / separately reported state and District of Columbia markets
Public estimate
HHI
3,650
Prior anchor
First anchor
Leading firm
Unavailable
Share coverage
N/A
Publisher
KFF
Confidence
High confidence
Method
source reported hhi
Rows
0 participant rows
The public packet does not identify insurer names or common control in each jurisdiction and does not cover employer insurance, Medicare, Medicaid, or every insurance product.
Keep HHI, firm shares, trend, and evidence quality separate so researchers can inspect why this market is routed for review.
Review posture
Immediate review
Confidence
High confidence
Exact flags
1 visible
Screening rule
Review posture uses published concentration thresholds, trend direction, and evidence status as separate signals. It does not estimate consumer harm or establish legal liability.
Public implication
Keep the market on a public watchlist and require reusable concentration data at each major industry update.
Evidence still needed
Complete participant shares and residual-category treatment
HHI 3,650 (>= 2,500)
Data provenance
Methodology: Use the source-reported national HHI as the canonical profile anchor and preserve the complete jurisdiction cross-section in the linked geography system. Do not infer insurer identities, common control, causal effects, or legal liability.
Limitations: The public packet does not identify insurer names or common control in each jurisdiction and does not cover employer insurance, Medicare, Medicaid, or every insurance product.
Individual Insurance Market Competition (HHI by state)
Individual insurance (United States / separately reported state and District of Columbia markets, 2024): HHI 3,650; CR4 not public; top-firm share not public; estimated public data; high confidence; action posture: Immediate review.
A compact audit of whether the profile has enough public evidence to support action.
Watchlist ready
Freshness2024Latest source access Jun 23, 2026Coverage60%0 of 0 latest rows include sharesAPI routes8Filtered public JSON endpoints for reuseSource mix1public dataset
Source mix
1 sources
public dataset1
Hardening watch
Refresh shares when the source table updates
Keep residual categories auditable
Monitor conduct, access, and switching-cost evidence
Public evidence packet
Jump from this market profile to the filtered machine-readable rows behind the public claim.
Geography: United States / separately reported state and District of Columbia markets
Data vintage: 2024
The public packet does not identify insurer names or common control in each jurisdiction and does not cover employer insurance, Medicare, Medicaid, or every insurance product.
Use the source-reported national HHI as the canonical profile anchor and preserve the complete jurisdiction cross-section in the linked geography system. Do not infer insurer identities, common control, causal effects, or legal liability.