The Impact of Access Regulation on Health Insurance Market Structure

TABLE 7
NUMBER OF INSURERS WRITING INDIVIDUAL MAJOR MEDICAL INSURANCE AND PERCENT OF MARKET HELD BY TYPE OF INSURER: 1995-1997^a

Type of insurer	1995	1996	1997	Percent change, 1995-1997
Number of Insurers
BCBS^b	97	102	94	-3.1
Commercial insurers	483	474	448	-7.2
HMOs	128	146	149	16.4
Total	708	722	691	-2.4
Market Share
BCBS^a	53.4	49.8	49.8	-3.6^c
Commercial insurers	30.6	26.4	24.1	-6.5^c
HMOs	15.9	23.7	26.0	10.1^c
Total	100.0	100.0	100.0	--

a - Data include the District of Columbia and all states except Hawaii.

b - Includes BCBS HMOs.

c - Percentage points.