Payer Overview
Granular Ins Co Market Analysis: Market Share and Coverage by State
Granular Ins Co is a regional-focused health insurer with measurable presence in a subset of US states. The carrier serves a modest membership base and plays a niche role in provider networks rather than acting as a national market leader.
Payer Overview
Granular Ins Co operates as a modestly sized national accident & health participant ranked as the #106 payer in the US market by premium. Its reported US premium is $560.65M, representing a 0.04% US market share across 45 states. The company reports an Estimated Total Members base of 92.8K and operates with 0 affiliated subsidiaries.
Granular Ins Co does not hold a #1 position in any state. The firm's footprint is concentrated in a subset of states where it records measurable market share, and its US premium sits squarely within the company’s disclosed US-only scope rather than in territories or foreign markets. These dynamics suggest a payer with targeted regional penetration rather than broad national dominance.
National Market Presence
National Market Footprint
| State | Market Share | Premium Written | Estimated Members |
|---|---|---|---|
| AL | 0.15% | $31.7M | 5.45K |
| AK | 0.17% | $3.14M | 0.87K |
| AZ | 0.06% | $12.9M | 2.87K |
| AR | 0.01% | $1.69M | 0.26K |
| CA | 0.03% | $66.4M | 15.5K |
| CO | 0.1% | $21.1M | 4.28K |
| CT | 0.08% | $10.1M | 1.97K |
| FL | 0.01% | $19.0M | 2.16K |
| GA | 0.07% | $29.6M | 4.92K |
| IA | 0.03% | $4.64M | 0.70K |
| ID | 0.03% | $1.66M | 0.36K |
| IL | 0.02% | $13.7M | 1.97K |
| IN | 0.03% | $10.1M | 1.61K |
| KS | 0.06% | $8.06M | 1.29K |
| KY | 0.06% | $15.9M | 1.82K |
| MA | 0.05% | $16.5M | 2.54K |
| MI | 0.02% | $11.5M | 1.65K |
| MN | 0.05% | $15.3M | 2.39K |
| MO | 0.06% | $16.6M | 2.67K |
| MS | 0.01% | $1.53M | 0.24K |
| MT | 0.15% | $4.70M | 1.21K |
| NC | 0.02% | $11.1M | 1.66K |
| ND | 0.08% | $2.74M | 0.54K |
| NE | 0.07% | $6.09M | 1.08K |
| NJ | 0.04% | $21.7M | 3.00K |
| NM | <0.01% | $0.402M | 0.04K |
| NV | 0.05% | $6.19M | 1.01K |
| OH | 0.05% | $28.1M | 3.82K |
| OK | 0.05% | $7.27M | 1.25K |
| OR | 0.02% | $5.36M | 0.62K |
| PA | 0.05% | $37.9M | 4.35K |
| RI | 0.03% | $2.09M | 0.26K |
| SC | 0.01% | $2.33M | 0.37K |
| TN | 0.02% | $6.26M | 0.95K |
| TX | 0.04% | $52.0M | 7.12K |
| UT | 0.06% | $7.30M | 1.79K |
| VA | 0.02% | $9.04M | 1.39K |
| VT | 0.06% | $1.18M | 0.28K |
| WA | <0.01% | $0.569M | 0.10K |
| WI | 0.06% | $15.5M | 2.56K |
| WY | 0.32% | $5.13M | 1.48K |
| National Total | — | $561M | 92.8K |
Granular Ins Co's premium footprint shows concentration in a mix of large-state and rural markets. The carrier writes notable premium in California ($66.4M), Texas ($52.0M), Pennsylvania ($37.9M) and Georgia ($29.6M), while it also posts above-average market share in smaller states such as Wyoming (0.32%) and Montana (0.15%). Nationally the company reports $560.65M in US premium and 92.8K members, indicating a compact but diversified geographic exposure.
For provider contracting, this distribution means negotiating leverage will vary widely by market. In large states where premium is sizable (for example CA, TX, PA), Granular Ins Co may represent a meaningful commercial counterparty and require network participation to access membership; in smaller states with higher local share, the payer could be a dominant local buyer that warrants dedicated contracting strategies. Providers with multi-state footprints should prioritize relationships in CA, TX, PA and GA to capture the majority of the payer's premium while maintaining targeted arrangements in high-share smaller states.
State-by-State Market Position
Granular Ins Co's strongest regional presence appears split between the West and the Midwest with meaningful pockets in the South. The West includes strong premium in California ($66.4M) and elevated share in Wyoming (0.32%) and Montana (0.15%), signaling both volume and niche dominance. The Midwest and Great Lakes show steady premium in Ohio ($28.1M), Minnesota ($15.3M), and Missouri ($16.6M). The Southeast registers material premiums in Georgia ($29.6M), Florida ($19.0M), and Alabama ($31.7M).
Top-ranked positions are not held in any state (the payer has no #1 rankings), but the mix of high-dollar states (CA, TX, PA) and higher-share smaller states indicates a dual strategy: scale in populous markets and concentrated penetration in select rural states. For multi-state provider groups, this implies contracting should be tiered — prioritize broad access in CA, TX, and PA to capture volume while negotiating market-specific terms in high-share smaller states to protect local reimbursement dynamics.
Estimated Member Demographics
GRANULAR INS CO is estimated to cover 80,662 members nationally. The age distribution is as follows:
| Age Band | Estimated Members |
|---|---|
| Under 6 | 4,882 |
| 6-18 | 12,701 |
| 19-25 | 7,686 |
| 26-34 | 10,221 |
| 35-44 | 11,661 |
| 45-54 | 11,146 |
| 55-64 | 11,388 |
| 65-74 | 6,410 |
| 75+ | 4,565 |
The largest age bands are 6-18 (12,701 members) and the combined working-age adult bands (19-64), which together account for the majority of the membership. Pediatric and young adult populations are well represented, while the senior segment (65+) is comparatively smaller.
This demographic profile suggests that GRANULAR INS CO's insured population is primarily composed of families and working-age adults. Providers should expect care utilization patterns typical of commercial insurance, with a focus on preventive care, chronic disease management, and pediatric services. The relatively modest senior population means less emphasis on geriatric care and Medicare-related services.