York
Metro Areas
February 20, 2020
Insurance companies provided medical coverage
for approximately 267.9 million people as of September 30, 2019, based on
enrollment as reported in Mark Farrah Associates’ County Health CoverageTM.
Of those with medical coverage, more than 196.2 million people were enrolled in
a commercial healthcare plan. Considering the size of the commercial market,
evaluating market share at the county and metropolitan statistical area is an
important measure of competitive positioning and health plan performance for
insurers. Commercial market share assessment at the county level can be
difficult because insurance companies are generally not required to report
local market membership except when mandated by state or federal regulation. In
this brief, Mark Farrah Associates (MFA) analyzed enrollment figures from
County Health CoverageTM for three metropolitan statistical
areas (MSAs) in New York with a focus on health plan market position.
Competition and Market Share
Approximately 13.3 million people were
enrolled in a commercial healthcare plan in New York MSAs. The graph
below illustrates the leading companies in New York’s commercial health
insurance market at the end of 3Q19. UnitedHealth, Anthem, and Lifetime
Healthcare are the three largest health insurance companies in New York.
The top three MSAs in New York, based on
enrollment in commercial plans, include the New York City Metro Area, Rochester
Metro Area, and the Albany Metro Area. For the purposes of this report, the New
York City Metro Area includes data from counties in the state of New York and
excludes those from New Jersey and Pennsylvania. The New York City metropolitan
region has a population of over 12.6 million people according to the U.S.
Census Bureau and is the largest MSA in the state based on population and commercial
market size. The graph below shows market share as of 3Q19 of the top
commercial market providers in the New York City MSA. UnitedHealth and
Anthem insure over 60% of the market. BCBS of NJ follows shortly behind at
15.1%.
Rochester is the second largest MSA in the
state with a population of nearly 1.1 million people. Total commercial
enrollment is nearly 718,000 and is dominated by Lifetime Healthcare with 77.5%
of the market. MVP and CVS command 11.4% and 8.0% respectively.
The commercial market in Albany is the third
largest in the state, insuring over 709,000 and includes the cities of
Schenectady and Troy. Albany has a smaller population than the Buffalo
MSA; however, Albany has a larger commercial market. As illustrated in the
chart below, based on MFA’s county estimates, CDPHP (Capital District
Physicians’ Health Plan) Anthem, and Health Now are the commercial market
leaders for the Albany MSA region.
It is important to note that in some cases,
estimates were based on enrollment reported by employer contract situs rather
than state of member residence.
About County Health Coverage TM
County Health Coverage™ provides reliable
estimates of health insurance enrollment and market share at the state, county
and metropolitan statistical area (MSA) level. Product features include
company market share by county, company and state for the Private Risk, Private
ASO, Managed Medicaid, Medicare Advantage, and PDP segments. Breakdowns
by product type (HMO, PPO, etc.) are also presented as well as population
demographics and interactive, visual mapping tools. To learn more, visit
the product page - County Health Coverage TM.
About Mark Farrah Associates (MFA)
Mark Farrah Associates (MFA) is a leading data
aggregator and publisher providing health plan market data and analysis tools
for the healthcare industry. Our product portfolio includes Health Coverage ™, County Health Coverage™, Medicare
Business Online™, Medicare Benefits Analyzer™, and Health Plans USA™. For more information
about these products, refer to the informational videos and brochures available
under the Our Products section of the website or call
724-338-4100.
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