Payer Overview
Metropolitan GRP Market Analysis: Market Share and Coverage by State
Metropolitan GRP is a mid-sized national health insurer with a coast-to-coast footprint. It combines a broad state presence with modest territory and foreign exposures, creating predictable contracting dynamics for providers.
Payer Overview
Metropolitan GRP is a national accident & health insurer positioned as the #20 largest US A&H payer by premium, writing $9.90B in the US and operating across 50 states + DC. The company reports an estimated 1.6M total members and operates through 13 affiliated subsidiaries, giving it broad operational scale across multiple regions.
Beyond its US mainland business, Metropolitan GRP also reports activity in US territories totaling $21.7M across 5 jurisdictions, and maintains a modest foreign exposure in Canada of $4.75M. These supplemental footprints complement the payer's US operations without materially changing its domestic focus.
13 rows
| Subsidiary | Domicile |
|---|---|
| American Life Insurance Company | DE |
| Block Vision of Texas Inc | TX |
| Delaware American Life Insurance Company | DE |
| Metlife Health Plans Inc | NJ |
| Metlife Reinsurance Company of Vermont | VT |
| Metropolitan Life Insurance Company | NY |
| Metropolitan Tower Life Insurance Company | NE |
| Safeguard Health Plans Inc | FL |
| Safeguard Health Plans Inc | TX |
| Safehealth Life Insurance Company | CA |
| Superior Vision Insurance Inc | AZ |
| Superior Vision Insurance Plan of Wisconsin Inc | WI |
| Superior Vision of New Jersey Inc | NJ |
National Market Presence
National Market Footprint
| State | Market Share | Premium Written | Estimated Members |
|---|---|---|---|
| AL | 0.51% | $105M | 18.0K |
| AK | 1.19% | $21.7M | 6.04K |
| AZ | 0.91% | $200M | 44.5K |
| AR | 0.32% | $38.3M | 6.00K |
| CA | 0.45% | $1.18B | 275K |
| CO | 0.72% | $153M | 31.1K |
| CT | 0.83% | $111M | 21.7K |
| DE | 1.56% | $50.3M | 12.8K |
| FL | 0.53% | $689M | 78.2K |
| GA | 0.88% | $400M | 66.6K |
| HI | 0.17% | $17.4M | 1.87K |
| ID | 0.34% | $21.7M | 4.67K |
| IL | 0.73% | $459M | 66.3K |
| IN | 0.4% | $123M | 19.8K |
| IA | 0.31% | $49.3M | 7.40K |
| KS | 0.45% | $63.2M | 10.1K |
| KY | 0.29% | $73.2M | 8.36K |
| LA | 0.45% | $126M | 12.1K |
| ME | 0.31% | $17.7M | 3.06K |
| MD | 0.85% | $194M | 39.9K |
| MA | 0.8% | $279M | 43.0K |
| MI | 0.4% | $202M | 28.8K |
| MN | 0.44% | $125M | 19.5K |
| MS | 0.47% | $57.4M | 9.0K |
| MO | 0.71% | $195M | 31.4K |
| MT | 0.33% | $10.1M | 2.61K |
| NE | 0.49% | $44.1M | 7.79K |
| NV | 0.57% | $74.0M | 12.0K |
| NH | 0.54% | $31.4M | 6.04K |
| NJ | 0.8% | $392M | 54.2K |
| NM | 0.36% | $41.1M | 4.04K |
| NY | 1.11% | $915M | 154K |
| NC | 0.81% | $398M | 60.0K |
| ND | 0.68% | $22.2M | 4.40K |
| OH | 0.53% | $320M | 43.5K |
| OK | 0.54% | $81.3M | 13.9K |
| OR | 0.4% | $102M | 11.8K |
| PA | 0.45% | $370M | 42.5K |
| RI | 0.24% | $15.2M | 1.86K |
| SC | 0.48% | $110M | 17.4K |
| SD | 0.6% | $17.7M | 4.33K |
| TN | 0.6% | $193M | 29.2K |
| TX | 0.75% | $1.06B | 145K |
| UT | 0.71% | $82.0M | 20.1K |
| VT | 0.46% | $9.56M | 2.27K |
| VA | 0.72% | $302M | 46.3K |
| WA | 0.48% | $160M | 27.1K |
| WI | 0.36% | $100M | 16.6K |
| WY | 0.35% | $5.60M | 1.61K |
| National Total | — | $9.90B | 1.6M |
Metropolitan GRP shows concentrated premium in a handful of large states, notably California ($1.18B), Texas ($1.06B), and New York ($915M), which together account for a significant share of the carrier's US premium. Estimated membership aligns with that concentration: the largest member counts appear in CA, TX, and NY at 275K, 145K, and 154K respectively. This distribution suggests national provider contracting should prioritize capacity and network adequacy in these high-premium, high-member states.
Geographically, Metropolitan GRP has meaningful presence across the West and Southeast with sizable premiums in California, Texas, Florida, Georgia, and North Carolina. The Midwest and Northeast contain several mid-sized positions (Illinois, Pennsylvania, Ohio, New Jersey), offering opportunities for regional provider groups to negotiate multi-state arrangements. Providers should expect negotiating leverage to be strongest in markets where the payer writes hundreds of millions to over a billion dollars in premium, while more localized markets may require tailored, state-specific strategies.
State-by-State Market Position
Metropolitan GRP's strongest states by market share and premium are dispersed rather than clustered: Delaware (highest market share at 1.56%) and Alaska (1.19%) represent top-percentage positions, while California, Texas, and New York lead by premium scale at $1.18B, $1.06B, and $915M respectively. The payer's mix of high-premium large states and higher-share smaller states means multi-state provider groups will face varied negotiating dynamics across regions.
Regionally, the West (CA, AZ, WA, CO) and Southeast (FL, GA, NC) deliver the largest absolute premiums, so national networks should ensure depth in those areas. The Midwest and Northeast provide steady, mid-sized premiums that favor regional agreements. For multi-state health systems, prioritizing contract standardization in CA, TX, and NY will yield the largest membership and revenue coverage, while preserving flexibility for state-level terms in smaller but higher-share markets like DE and AK.
Estimated Member Demographics
METROPOLITAN GRP is estimated to insure 1,371,310 members nationally, based on Census and NAIC share data. The age distribution is as follows:
| Age Band | Estimated Members |
|---|---|
| Under 6 | 82,183 |
| 6-18 | 211,671 |
| 19-25 | 128,672 |
| 26-34 | 174,979 |
| 35-44 | 198,074 |
| 45-54 | 191,182 |
| 55-64 | 195,582 |
| 65-74 | 109,931 |
| 75+ | 79,035 |
The largest age bands are 35-44, 45-54, and 55-64, each with nearly 200,000 members. This adult concentration suggests METROPOLITAN GRP's insured population is primarily working-age, with significant representation in both pediatric and senior segments. Providers should expect utilization patterns typical of a commercially insured population, with a strong emphasis on preventive, chronic, and specialty care for adults.
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