Antitrust Radar
Policy AgendaAR-PA-037 / reviewed Aug 13, 2026 JSON

Near-term / Measurement & scope

Separate ACA evidence from other insurance systems

Keep employer-sponsored insurance, Medicare, Medicaid, and other product systems in separately documented analytical universes rather than treating one individual-market screen as a state health-care score.
Source records1report custody
Linked markets1analytical context
Research themes2publication taxonomy
Evidence needs5future verification inputs
Recommendation evidence chain

The source boundary stays visible from analysis to proposed action.

02Evidence custody1 sources / 1 marketsLinked context, not independent endorsement
03Normative recommendationAR-PA-037Measurement & scope
04Implementation evidenceNot assessedNo adoption or impact inference
This agenda registers normative recommendations published by Antitrust Radar. A recommendation's presence, priority, source links, or evidence needs do not show government consideration, adoption, funding, implementation, enforcement use, effectiveness, or impact. Report sources support the underlying analysis and do not independently endorse the recommendation.
Source report position

State Individual Insurance Concentration, 2024

Individual-insurance oversight should use the 2024 state concentration cross-section to prioritize disclosure and research, then connect structure to insurer identity, ownership, entry, plan design, networks, prices, quality, switching, and consumer outcomes before assigning cause or legal liability.
Intended audience
HHS, CMS, FTC, DOJ, Congress, state insurance regulators, state attorneys general, and competition researchers
Policy priority
Near-term
Instrument
Measurement & scope
Publication
AR-RB-2026-07 / version 1.0
Canonical citation
Antitrust Radar Research Team. (2026, July 24). State Individual Insurance Concentration, 2024: Highly concentrated readings appear in 36 of 51 jurisdictions. Competition Research Briefs, AR-RB-2026-07 (Version 1.0). Antitrust Radar. https://antitrustradar.org/reports/state-individual-insurance-concentration-2024
Evidence still needed

Inputs required to investigate the recommendation and its effects.

  1. 01State insurer identities, enrollment shares, and common control
  2. 02Stable plan, issuer, service-area, and jurisdiction identifiers
  3. 03Annual entry, exit, merger, exchange, ownership, and revision histories
  4. 04Premium, actuarial value, claims, denial, network, quality, and switching outcomes
  5. 05Separate product definitions and denominators across insurance systems
These are research requirements, not evidence that an agency has opened, adopted, or completed the work.
Related policy architecture