Michigan Association of Health Plans

Competition

the american medical association ranks michigan the second least competitive state in the country for health insurance

Nearly 60 percent of Michigan residents get their health care through their employers. The commercial market is made up of small groups, large employer groups and self-insured groups.

But there is a lack of competition in Michigan with Blue Cross Blue Shield holding 77 percent of the market share, and it’s trending to increase each year.

The lack of competition and the transparency reform (SB 447) in Michigan has contributed to employers in Michigan having high health insurance premiums” that are 19 percent above more competitive states that have enacted such reform.

this chart shows how BCBSM holds 77% of Michigan's commercial healthcare market today

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