this post was submitted on 05 Dec 2024
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Each company doesn't necessarily have an equal portion of the market. The three companies below the average (and any others not shown like you noted) may have a larger portion of the market.
I was looking at this: https://content.naic.org/sites/default/files/publication-msr-hb-accident-health.pdf
And the three companies (kaiser, oscar, ambetter) with lower denial rates than the national average combined have less of a marketshare than United Health. But there are a ton of smaller players in the market. I guess the lesson is the big players pretty much all suck.