Perennial Consortium LLC GRP Market Analysis: Market Share and Coverage by State

Payer Overview

Perennial Consortium LLC GRP is a modest national commercial accident & health payer that occupies a niche position within the broader U.S. employer-sponsored and individual markets. As the #233 ranked US A&H payer by premium, it writes $20.4M of premium in the US and operates across 2 states, serving an estimated 3K members through 2 affiliated subsidiaries. The organization does not hold a #1 position in any state.

While its footprint is concentrated in a small number of states, Perennial Consortium LLC GRP’s focused presence — primarily in Ohio and Colorado — enables targeted contracting strategies and localized provider relationships rather than broad national network leverage. This scale implies different negotiation dynamics for multi-state provider groups compared with national carriers.

Premium by Scope

Perennial Consortium LLC GRP’s premium is entirely concentrated in the U.S. states and DC scope, with $20.4M written in that category and no reported premium in U.S. territories or foreign markets. This exclusive U.S. mainland footprint suggests providers negotiating with this payer will be addressing a local/regional commercial book rather than international or territorial exposures.

For provider groups considering contracting, the lack of territory or foreign premium simplifies credentialing and administrative alignment to continental U.S. rules and networks. The payer’s concentrated premium profile points to opportunities for deeper, state-level network partnerships rather than broad national agreements.

Perennial Consortium LLC GRP’s premium is highly concentrated in two states, with $20.4M in total US premium and 3K estimated members. The strongest exposure is in Ohio, followed by Colorado, reflecting a Midwestern and Mountain West focus rather than a nationwide footprint. This concentration means provider contracting impact will be geographically targeted; network leverage and impact on reimbursement will be most material in OH and CO rather than across many states.

Nationally, the payer’s modest scale limits its ability to drive wide regional rate trends, but it can be a meaningful counterparty for local hospital systems or physician groups with significant business in Ohio or Colorado. Providers operating only in other regions will have limited commercial exposure to this payer based on the current footprint.

State-by-State Market Position

Perennial Consortium LLC GRP shows its strongest presence in the Midwest (Ohio) and the Mountain West (Colorado). Ohio is the clear focal point of operations, followed by Colorado; no Northeast, Southeast, or far-West concentrations are evident from the reported footprint. The regional distribution suggests that multisite provider groups with locations in OH and CO could negotiate more favorable terms by aggregating volumes across those state operations.

Because the payer operates in only two states, multi-state provider groups with broader geographic reach will find limited negotiating leverage from this carrier alone and should pair negotiations with larger regional or national payers. Conversely, localized health systems in Ohio and Colorado may prioritize relationship-building with Perennial Consortium LLC GRP to secure access and favorable reimbursement for their local patient volumes.

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

Nationally, the largest age band is 6–18 with 474 estimated members, followed by the 55–64 band with 431 members and the 35–44 band with 425 members. The distribution is relatively balanced, with a strong presence in both pediatric and adult populations. The senior population (65+) is smaller but still significant, totaling 416 members across both states.

Ohio has a slightly older member profile, with higher counts in the 55–64 and 65+ bands compared to Colorado. Colorado's member distribution is more evenly spread across age bands, with a modest pediatric and young adult presence. This suggests that providers in Ohio may encounter more chronic disease and age-related care needs, while Colorado's mix may require broader primary and preventive care services.

Estimated Members by State

PERENNIAL CONSORTIUM LLC GRP operates in two states: Ohio and Colorado. Ohio accounts for the majority of estimated members, with individuals, while Colorado has estimated members. This geographic distribution reflects the payer's stronger market presence in Ohio, both in terms of premium volume and member count.