Payer Overview

Southern Guar Ins Co Market Analysis: Market Share and Coverage by State

Southern Guar Ins Co is a regional health insurer with a concentrated footprint across select US states. It participates in provider networks where it has member concentration and maintains a small US territory presence.

Southern Guar Ins CoHealth InsuranceHealthcare MarketProvider ContractingReimbursementTXNCWIPA

Payer Overview

Southern Guar Ins Co occupies a modest position in the US accident & health market as the #221 ranked US A&H payer with $35.22M in US premium and a US market share of 0%. The company reports operations across 22 states and DC-equivalent reporting and serves an estimated 5.3K members, operating with 0 affiliated subsidiaries.

Southern Guar Ins Co also maintains a small US territory footprint, reporting $3.36K across 1 US territory. This concentrated premium profile and limited subsidiary network suggest the payer is regionally focused, with implications for selective provider negotiations and localized network strategies.

Premium by Scope

Scope	Jurisdictions	Premium	Share of Payer Total
US States & DC	22	$35.22M	99.90%
US Territories	1	$3.36K	0.01%
Total	23	$35.22M	100.00%

Southern Guar Ins Co's premium is overwhelmingly concentrated in the US States & DC scope, accounting for 99.90% of reported premium. The US territory exposure is immaterial at $3.36K and represents roughly 0.01% of the payer's total premium. For providers evaluating this payer, contracting and credentialing effort should prioritize the US state footprint given the negligible territory presence.

State	Market Share	Premium Written	Estimated Members
AL	0.01%	$1.57M	269
AR	0.01%	$841K	131
AZ	0.01%	$654K	146
GA	0.01%	$856K	142
KY	0.01%	$2.22M

State

Market Share

Premium Written

Estimated Members

0.01%

$1.57M

269

0.01%

$841K

131

0.01%

$654K

146

0.01%

$856K

142

0.01%

$2.22M

State-by-State Market Position

Southern Guar Ins Co shows strongest presence in the Southeast and Mid-Atlantic, with the largest premiums written in TX ($5.93M), PA ($3.62M), NC ($3.14M), and MD ($2.57M). These states collectively represent the payer's primary commercial and risk pools and will be the priority markets for network participation and rate negotiations.

The Midwest and neighboring Southern states (e.g., WI at $2.10M, KY at $2.22M, TN at $2.20M) provide secondary concentration that can support regional contracting strategies. The West and New England presences are minimal; New Hampshire shows only $7.36K in premium. For multi-state provider groups, aligning contracting focus on the Southeast and Mid-Atlantic will capture the majority of member volume and premium exposure.

Estimated Members by State

SOUTHERN GUAR INS CO's estimated member distribution is concentrated in a handful of states, with Texas (811 members), Maryland (527 members), Pennsylvania (415 members), South Carolina (398 members), North Carolina (472 members), and Wisconsin (346 members) leading in member counts. These states also correspond to the highest premium volumes, indicating a direct alignment between premium written and member presence.

States such as New Hampshire, Alaska, and Delaware have minimal member counts, reflecting either negligible market share or limited premium activity. The geographic concentration in the Southeast, Midwest, and select states in the West means providers in these regions are more likely to encounter SOUTHERN GUAR INS CO members. For provider groups, this concentration suggests that contracting strategies should prioritize these states for network inclusion and reimbursement negotiations, while the payer's presence in other states may be less impactful for volume-driven care delivery.

Under 6	9	8	15	20	6	7	14	0	9	0	32	27	53	4	1	8	23	15	19	21	21	312
6–18	23	23	39	50	16	19	41	1	25	0	80	69	137	10	4	21	60	39	54	56	55	821
19–25	14	14	24	32	10	13	28	0	15	0	44	45	78	5	2	12	39	28	33	36	34	504
26–34	19	18	31	43	13	16	32	1	19	0	62	59	110	8	3	13	50	33	42	48	40	659
35–44	20	21	34	46	16	19	39	1	21	0	75	67	127	9	4	14	57	37	49	55	48	760
45–54	19	22	35	48	15	19	39	1	21	0	74	70	117	9	4	11	56	38	45	56	46	743
55–64	20	20	36	48	15	19	40	1	23	1	78	69	105	9	4	10	63	39	46	61	53	758
65–74	12	10	23	27	9	11	23	0	13	0	49	39	51	4	3	5	39	24	29	39	29	442
75+	10	7	16	19	6	8	16	0	9	0	33	28	34	3	2	3	29	17	22	27	21	310

OpenPayer

Payer Overview

Southern Guar Ins Co Market Analysis: Market Share and Coverage by State

Payer Overview

Premium by Scope

National Market Presence

Estimated Member Demographics

State-by-State Market Position

Estimated Members by State