Cities with the least competitive commercial insurance markets

Rylee Wilson - Updated Monday, November 28th, 2022

Alabama has some of the most concentrated commercial insurance markets in the country, according to a report from the American Medical Association.

The report, published Nov. 1, compared commercial, exchange and Medicare Advantage markets at the state and city level.

Here are the cities where one payer controls upwards of three-quarters of the market in PPO, HMO, point of service and exchange plans.

Over 90 percent

Over 80 percent

Florence-Muscle Shoals, Ala. — Blue Cross Blue Shield Alabama, 89 percent market share
Huntsville, Ala. — Blue Cross Blue Shield Alabama, 89 percent market share
Mobile, Ala. — Blue Cross Blue Shield Alabama, 89 percent market share
Decatur, Ala. —- Blue Cross Blue Shield Alabama, 89 percent market share
Auburn-Opelika, Ala. — Blue Cross Blue Shield Alabama, 85 percent market share
Tallahassee, Fla. — Blue Cross Blue Shield of Florida, 85 percent market share
Birmingham-Hoover, Ala. — Blue Cross Blue Shield Alabama, 84 percent market share
Daphne-Fairhope-Foley, Ala. — Blue Cross Blue Shield Alabama, 83 percent market share
Ann Arbor, Mich. — Blue Cross Blue Shield Michigan, 82 percent market share
Atlantic City-Hammonton, N.J — Horizon Blue Cross Blue Shield, 80 percent market share
Goldsboro, N.C — Blue Cross Blue Shield North Carolina, 80 percent market share

Over 75 percent

Greenville, N.C — Blue Cross Blue Shield North Carolina, 79 percent market share
New Bern, N.C — Blue Cross Blue Shield North Carolina, 79 percent market share
Manhattan, Kan. — Blue Cross Blue Shield Kansas, 76 percent market share
Battle Creek, Mich. — Blue Cross Blue Shield Michigan, 76 percent market share
Bay City, Mich. — Blue Cross Blue Shield Michigan, 76 percent market share
Jackson, Mich. — Blue Cross Blue Shield Michigan, 76 percent market share
Lawton, Okla. — Health Care Service Corp. (BCBS), 76 percent market share