Another 21 percent will find that the exchanges in their community carved up by a duopoly of just two insurers. The Kaiser Family Foundation estimates that by the end of 2017, 22 percent of people purchasing health care insurance on the exchanges created by the Affordable Care Act will find that only a single company is offering policies in their community. Today, monopolization extends to all forms of health insurance, from policies purchased by individuals on “Obamacare” exchanges to group plans purchased by employers and Medicare Advantage plans purchased by retirees. The same study concluded that this increase in concentration had caused a seven percentage point increase in premiums over the period. communities in which health insurance markets had become “highly concentrated” (using the standard deployed by Federal anti-trust regulators) increased from 68 in 1998 to 99 percent in 2006. A study published in the American Economics Review in 2012 found that the share of U.S. This high degree of concentration has been building for years. In half of all metro areas, just two health insurers divide two-thirds of the market. In some states, such as Alabama, a single insurance company has a near total monopoly. ![]() When Americans buy health insurance they typically find they have fewer and fewer choices.
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