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Small Business Employee Benefits and HR Blog

Evaluation of State Insurance Markets

The Affordable Care Act (ACA) requires health insurers to offer products through health insurance exchanges.  In most cases, the success of a state's exchange will depend on the condition of the state's existing health insurance market.

state health markets

The Kaiser Family Foundation recently released a report that evaluates the competitiveness of states' existing individual and small group health insurance markets.

The individual health insurance market in 30 states was dominated (50% market share or greater) by a single health insurance carrier in 2010.  The small group market consisted of 26 states will greater than 50% market share.

How do you think health insurance exchanges will affect the competitiveness of the health insurance market in your state?

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