Payer Overview
TENNSESSEE RURAL HLTH GRP Market Analysis: Market Share and Coverage by State
TENNSESSEE RURAL HLTH GRP is a regional health insurer focused on concentrated state markets with a dominant presence in Tennessee. The payer's modest national premium makes it a niche but locally significant contracting counterparty.
Payer Overview
TENNSESSEE RURAL HLTH GRP is a specialized regional health insurer with a concentrated national footprint, operating as the #140 ranked US A&H payer by premium. The organization writes the bulk of its business in the onshore US market — $275.11M in US premium — and holds a 0.02% US market share while reporting operations across 5 states.
The plan serves an estimated 41.8K members and operates through 2 affiliated subsidiaries. The payer does not hold a #1 position in any US state. Its premium and membership are heavily concentrated in Tennessee, shaping provider contracting dynamics and network leverage primarily within that state.
2 rows
| Subsidiary | Domicile |
|---|---|
| Members Health Insurance Company | AZ |
| Trh Health Insurance Company | TN |
National Market Presence
National Market Footprint
| State | Market Share | Premium Written | Estimated Members |
|---|---|---|---|
| AL | 0.03% | $6.50M | 1.12K |
| IN | 0.01% | $2.62M | 0.422K |
| KS | 0.01% | $1.41M | 0.226K |
| OK | <0.01% | $378K | 0.065K |
| TN | 0.82% | $264.19M | 39.98K |
| National Total | — | $275.11M | 41.8K |
The payer's premium is overwhelmingly concentrated in Tennessee, with $264.19M written there versus much smaller premiums in Alabama, Indiana, Kansas, and Oklahoma. Estimated membership follows the same pattern: 39.98K members in Tennessee out of 41.8K total, indicating high geographic concentration. For national provider networks and contracting teams, this means negotiations and network design should prioritize Tennessee, where the payer has scale and local leverage.
Outside Tennessee, the payer's presence is niche: the combined premium in the other four states totals roughly $10.92M, representing limited negotiating leverage for broad multi-state contracts. Provider groups with major footprints in Tennessee will find the most material commercial opportunity with this payer.
State-by-State Market Position
TENNSESSEE RURAL HLTH GRP's strongest presence is in the Southeast, driven overwhelmingly by Tennessee. The payer is effectively a regional player with meaningful concentration in the Southeast and only token exposure in the Midwest (Indiana, Kansas) and the Plains (Oklahoma). With $264.19M in Tennessee premium and 39.98K members there, the company's bargaining power and network impact are localized.
For multi-state provider groups, this distribution suggests a targeted approach: prioritize contracting and operational alignment in Tennessee to capture the bulk of the payer's membership and revenue. Expansion efforts in Alabama, Indiana, Kansas, and Oklahoma should be treated as opportunistic, given each state's relatively small premium (each below $7M) and limited member counts.
Estimated Member Demographics
| Age Band | Tennessee | Alabama | Indiana | Kansas | Oklahoma | National Total |
|---|---|---|---|---|---|---|
| Under 6 | 2369 | 61 | 26 | 15 | 4 | 2475 |
| 6–18 | 6036 | 162 | 70 | 39 | 10 | 6318 |
| 19–25 | 3842 | 115 | 43 | 24 | 6 | 4030 |
| 26–34 | 5168 | 137 | 51 | 27 | 8 | 5391 |
| 35–44 | 5569 | 154 | 58 | 31 | 9 | 5821 |
| 45–54 | 5727 | 157 | 58 | 28 | 9 | 5979 |
| 55–64 | 5791 | 162 | 59 | 31 | 9 | 6052 |
| 65–74 | 3216 | 100 | 33 | 18 | 6 | 3372 |
| 75+ | 2259 | 69 | 24 | 13 | 4 | 2368 |
Nationally, the largest age bands are 55–64 (6,052 members), 6–18 (6,318 members), and 45–54 (5,979 members), indicating a strong presence among both working-age adults and school-aged children. The smallest segments are the youngest (Under 6, 2,475 members) and oldest (75+, 2,368 members) populations.
Tennessee, the payer's dominant state, mirrors the national profile with a concentration in adult age bands, but also maintains a substantial pediatric population. Other states, such as Alabama and Indiana, have much smaller member counts and do not show significant skew toward any particular age band. Overall, the demographic distribution is balanced, with a slight tilt toward adults, suggesting providers should focus on chronic disease management and preventive care for this population.
Estimated Members by State
TENNESSEE RURAL HLTH GRP's estimated member distribution is highly concentrated in Tennessee, with 39,977 members—over 95% of the payer's national total. Alabama follows with 1,116 members, while Indiana (422), Kansas (226), and Oklahoma (65) have much smaller member bases. This geographic concentration aligns closely with the payer's market share, which is highest in Tennessee (82%), and much lower in other states.
The alignment between member count and market share rank is clear: Tennessee is both the largest and highest-share state, while the other states represent marginal presence. For providers, this means that contracting strategies and care delivery models should be tailored primarily for Tennessee, with only limited focus on the other states. Multi-state provider groups will find the payer's footprint to be highly localized, and should prioritize Tennessee for network inclusion and care management initiatives.