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U.S. Healthcare Insurance Market Concentration from 2001 to 2016: Increased Growth in Direct Written Premiums and Overall Decreased Market Consolidation

机译:2001年至2016年的美国医疗保险市场集中度:直接书面保费的增长增加,市场整合的总体下降

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With the establishment of state-based health insurance marketplaces, how U.S. health insurers are responding to market pressures and influencing premiums have represented important questions. We made novel use of the Standard and Poor’s (S&P) Financial, a Wall Street financial dataset platform, to analyze trends in market capitalization and total direct written premiums (DWPs) from 2001 to 2016 of the top 5, 10, and 25 health insurance companies.?Our results indicate that the market concentration of publicly traded companies has remained relatively stable over the past decade.?The top 5, 10, and 25 health insurance companies were 43.5%, 57.5%, and 78.6% of the total market share in 2001 and 39.4%, 52.9%, and 72.8% in 2016, respectively.?DWPs have grown nearly four-fold from $177 billion to $631 billion at a compounded annual rate of 8.8%, consistent with overall healthcare sector growth.?Aggregating state-specific data, the overall U.S. health insurance market has become slightly less consolidated over recent years, as measured using the population-weighted Herfindahl-Hirschman index, a measure for market concentration, falling from 3,817 to 2,174 during this time period. As health insurance costs place a growing burden on American families, additional efforts are needed to study the impact on choice, quality, access, cost, and value to patients and providers from evolving health insurance markets.
机译:随着建立国家的健康保险市场,美国卫生保险公司如何应对市场压力,影响溢价具有重要问题。我们制作了新颖的使用标准和穷人(标准版)金融,华尔街金融数据集平台,分析了2001年至2016年的市场资本化和总直接书面保费(DWPS)的趋势,从前5,10和25名健康保险公司,结果表明,在过去十年中,公开交易公司的市场集中仍然相对稳定。最前一年,10岁,25家健康保险公司的43.5%,57.5%,78.6%的总市场份额2001年和2016年39.4%,52.9%和72.8%,72.8%,从1.77亿美元的1770亿美元增加了近四倍,以6.8%的增长率为8.8%,与整体医疗部门增长一致。机构实惠的数据,整个美国健康保险市场近年来仍然略低,近年来,使用人口加权的Herfindahl-Hirschman指数,市场集中措施的衡量标准,在此时间段内从3,817降至2,174。由于健康保险费用在美国家庭造成不断增长的负担,因此需要额外的努力来研究对患者和供应商的选择,质量,访问,成本和价值从不断发展的健康保险市场的影响。

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