Payer Overview
Mutual of Omaha Group Market Analysis: Market Share and Coverage by State
Mutual of Omaha Group is a diversified national health insurer with a broad multi-state footprint and a modest national market share. Its spread across many states creates localized contracting dynamics for providers.
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.
9 rows
| Subsidiary | Domicile |
|---|---|
| Companion Life Insurance Company | NY |
| Medicare Advantage Insurance Company of Omaha | NE |
| Mutual of Omaha Insurance Company | NE |
| Mutual of Omaha Medicare Advantage C | — |
| Omaha Health Insurance Company | NE |
| Omaha Insurance Company | NE |
| Omaha Supplemental Insurance Company | NE |
| United World Life Insurance Company | NE |
| United of Omaha Life Insurance Company | NE |
National Market Presence
National Market Footprint
| State | Market Share | Premium Written | Estimated Members |
|---|---|---|---|
| AK | 0.43% | $7.85M | 2.18K |
| AL | 0.45% | $93.2M | 16.0K |
| AR | 0.43% | $51.5M | 8.05K |
| AZ | 0.68% | $148.94M | 33.2K |
| CA | 0.09% | $237.60M | 55.40K |
| CO | 0.52% | $110.01M | 22.32K |
| CT | 0.13% | $17.3M | 3.38K |
| DE | 0.34% | $10.9M | 2.77K |
| FL | 0.22% | $283.72M | 32.2K |
| GA | 0.6% | $271.07M | 45.10K |
| HI | 0.06% | $6.21M | 0.66K |
| ID | 0.84% | $53.98M | 11.61K |
| IL | 0.54% | $343.27M | 49.55K |
| IN | 0.66% | $203.04M | 32.60K |
| IA | 0.5% | $81.0M | 12.17K |
| KS | 0.42% | $58.5M | 9.37K |
| KY | 0.37% | $95.6M | 10.93K |
| LA | 0.31% | $88.7M | 8.51K |
| ME | 0.15% | $8.80M | 1.52K |
| MD | 0.61% | $138.90M | 28.53K |
| MA | 0.14% | $50.0M | 7.70K |
| MI | 0.39% | $197.53M | 28.22K |
| MN | 0.24% | $68.0M | 10.61K |
| MS | 0.93% | $112.37M | 17.59K |
| MO | 0.65% | $178.04M | 28.69K |
| MT | 1.06% | $32.47M | 8.40K |
| NE | 1.28% | $115.68M | 20.44K |
| NV | 0.28% | $35.64M | 5.79K |
| NH | 0.28% | $16.11M | 3.10K |
| NJ | 0.3% | $145.65M | 20.17K |
| NM | 0.35% | $39.99M | 3.93K |
| NY | <0.01% | $0.00 | 0.00K |
| NC | 0.53% | $259.72M | 39.11K |
| ND | 0.46% | $14.98M | 2.97K |
| OH | 0.31% | $185.85M | 25.27K |
| OK | 0.78% | $117.62M | 20.16K |
| OR | 0.35% | $90.16M | 10.38K |
| PA | 0.21% | $173.35M | 19.89K |
| RI | 0.10% | $6.37M | 0.78K |
| SC | 0.6% | $137.22M | 21.83K |
| SD | 1.37% | $40.36M | 9.88K |
| TN | 0.5% | $160.71M | 24.32K |
| TX | 0.47% | $659.52M | 90.25K |
| UT | 0.26% | $29.75M | 7.29K |
| VT | 0.48% | $9.83M | 2.33K |
| VA | 0.49% | $206.07M | 31.60K |
| WA | 0.35% | $116.34M | 19.70K |
| WI | 0.33% | $92.43M | 15.28K |
| WY | 1.95% | $31.41M | 9.05K |
| National Total | — | $5.70B | 898K |
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.
State-by-State Market Position
Mutual of Omaha Group's strongest regional presence appears in the Midwest and Southeast. Notable Midwest positions include NE (1.28%), SD (1.37%), and WY (1.95%), while Southeast strength is visible in MS (0.93%), GA (0.6%), and NC (0.53%). Large states with substantial premium but moderate share — TX ($659.52M), IL ($343.27M), FL ($283.72M) — indicate sizeable membership pools even where market share is modest.
For multi-state provider groups, this distribution means contracting strategies should prioritize markets where Mutual of Omaha Group contributes meaningful premium pools (e.g., TX, IL, FL, GA) to capture volume and then layer in targeted agreements in Midwest states where share is relatively higher. Regional networks can leverage concentrated state shares for tighter terms, while national systems should prepare for varied reimbursement dynamics across states.
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:
| Age Band | Estimated Members |
|---|---|
| Under 6 | 49,422 |
| 6-18 | 129,168 |
| 19-25 | 77,866 |
| 26-34 | 103,078 |
| 35-44 | 118,543 |
| 45-54 | 114,225 |
| 55-64 | 116,565 |
| 65-74 | 66,669 |
| 75+ | 47,678 |
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.