Cost-share chart Almost three-quarters of health insurance markets are highly concentrated, according to federal guidelines.

Most health insurance markets in the United States are highly concentrated, meaning that millions of Americans have limited health insurer options. That’s the key takeaway from a new American Medical Association (AMA) report released this week.

The 2021 version of the organization’s Competition in Health Insurance: A Comprehensive Study of U.S. Markets analyzed market concentration and health insurer market shares for 384 metropolitan statistical areas (MSAs), as well as all 50 states and the District of Columbia. For the first time, the study also presented national-level market shares for the country’s 10 largest health insurers.

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