Mutual of Omaha Group Market Analysis: Market Share and Coverage by State

Payer Overview

Mutual of Omaha Group operates as a mid-ranked national accident & health insurer, positioned as the #35 largest US A&H payer by premium. The company writes $5.70B in US premium and holds a 0.4% US market share across 50 states, operating through 9 affiliated subsidiaries and serving an estimated 898K members nationwide.

While Mutual of Omaha Group does not hold a #1 position in any state, its presence is broad rather than concentrated in a single market, with measurable premiums across many states. This footprint, combined with a modest but diversified membership base, means provider contracting teams should expect varied local negotiating dynamics rather than a single dominant leverage point.

Premium by Scope

Mutual of Omaha Group's premium footprint is entirely within the US states and District of Columbia based on the provided data. The insurer's premium is concentrated in the US mainland, accounting for 100.00% of reported premium across scopes. For providers, this means negotiations and utilization patterns will be driven by domestic commercial and regional dynamics rather than territory or foreign exposures.

National Market Footprint

Mutual of Omaha Group shows a geographically dispersed footprint with higher premiums concentrated in large-population states such as TX ($659.52M), IL ($343.27M), FL ($283.72M), and GA ($271.07M). The national premium total of $5.70B and estimated membership of 898K indicate a modest national scale concentrated in several regional hubs. For provider contracting, this means negotiating leverage will vary by market: large-state exposure can support system-level discussions, while many states remain niche relationships requiring local deal strategies.

Overall, the payer mixes meaningful presence in the Midwest and Southeast while maintaining measurable positions in the West and Northeast, creating a patchwork of opportunities for multi-state provider groups and regional systems.

The Affordable Care Act (ACA) established federally-facilitated health insurance marketplaces ("exchanges") where individuals and small businesses can shop for and enroll in health plans, often with income-based subsidies. Issuers that participate in these marketplaces are required to report enrollment, claims, and denial data to CMS (Centers for Medicare & Medicaid Services) each year.

The sections below cover this payer's ACA marketplace-specific footprint — enrollment, plan portfolio, and claims/denial-rate data. This is a narrower, separate population from the NAIC-based commercial data shown earlier on this page (total premium, market share, and membership across all lines of business): ACA marketplace enrollment is typically a small fraction of a payer's total commercial book, and the two datasets should not be treated as equivalent. CMS claims-transparency reporting has also been inconsistent industry-wide since 2020 — many issuers have little or no data for 2021 onward, so a single reporting year is common and does not necessarily indicate anything about the payer's current ACA presence.

Estimated Member Demographics

MUTUAL OF OMAHA GRP is estimated to cover 823,214 members nationally, based on Census × NAIC share calculations. The age distribution is as follows:

The largest age bands are 6-18, 35-44, 45-54, and 55-64, each with over 100,000 members. This indicates a strong presence among families and working-age adults, with a meaningful but smaller senior population. Providers should anticipate a broad range of care needs, from pediatric to chronic adult conditions.

The member profile suggests that MUTUAL OF OMAHA GRP's insured population is diverse, with significant representation across all age groups. This will impact care utilization patterns, with high demand for preventive services, chronic disease management, and family health support.