Payer Overview
TIMBER PRODUCTS MANUFACTURERS TRUST Market Analysis: Market Share and Coverage by State
TIMBER PRODUCTS MANUFACTURERS TRUST is a regional commercial payer with focused presence in five Western states. Its concentrated footprint suggests targeted provider contracting and reimbursement strategies in those states rather than a broad national approach.
Payer Overview
TIMBER PRODUCTS MANUFACTURERS TRUST operates as a focused commercial insurer with a concentrated footprint and a defined national presence. The organization reports a US premium of $60.1M, ranks as the #206 payer in the US A&H market, and holds a US market share of 0% across 5 states. The plan covers an estimated total membership of 11.9K and operates with 0 affiliated subsidiaries.
The payer's activity is concentrated in a small set of Western states, and it does not report a presence in US territories or foreign markets. That concentration shapes contracting dynamics: hospital systems and multispecialty groups should evaluate network leverage in those specific states where membership and premium are materially present rather than pursuing a broad national strategy.
National Market Presence
| State | Market Share | Premium Written | Estimated Members |
|---|---|---|---|
| ID | 0.29% | $18.6M | 2.82K |
| MT | 0.35% | $10.9M | 2.82K |
| OR | 0.01% | $3.67M | 0.42K |
| WA | 0.08% | $25.7M | 4.36K |
| WY | 0.07% | $1.18M | 0.34K |
| National Total | — | $60.1M | 11.9K |
TIMBER PRODUCTS MANUFACTURERS TRUST shows a concentrated premium footprint of $60.1M spread across five Western states. The largest premium contributors are Washington and Idaho, while Wyoming and Oregon represent smaller premium pools. With 11.9K estimated members nationally, the payer's membership is regionally focused, which creates localized negotiating implications for hospitals and physician groups operating in those states.
For network strategies, the concentration suggests that provider contracting teams should prioritize engagement in Washington and Idaho for material premium exposure while maintaining targeted coverage efforts in Montana, Oregon, and Wyoming. National negotiations will have limited leverage given the payer's regional concentration, so state-level relationships and reimbursement arrangements are more likely to drive access and revenue outcomes.
State-by-State Market Position
TIMBER PRODUCTS MANUFACTURERS TRUST's strongest presence is in the West, with its top states being Washington, Idaho, and Montana by premium written. The payer does not show material presence in the Northeast, Midwest, Southeast, or Southwest regions. This Western concentration means multi-state provider groups with facilities in these Western states can achieve meaningful leverage when negotiating with the payer, while groups outside the region will find limited negotiating impact.
Top-ranked states by premium and estimated members are WA and ID, which together account for the majority of the payer's premium. Providers should prioritize contract performance and network inclusion strategies in those states. Given the modest overall membership base of 11.9K, the payer should be treated as a regional partner rather than a national anchor account.
Estimated Member Demographics
| Age Band | Idaho | Montana | Oregon | Washington | Wyoming | National Total |
|---|---|---|---|---|---|---|
| Under 6 | 253 | 154 | 23 | 263 | 20 | 714 |
| 6–18 | 738 | 412 | 61 | 646 | 60 | 1918 |
| 19–25 | 397 | 266 | 37 | 372 | 30 | 1101 |
| 26–34 | 474 | 328 | 54 | 619 | 39 | 1514 |
| 35–44 | 571 | 392 | 65 | 682 | 50 | 1760 |
| 45–54 | 514 | 360 | 59 | 594 | 43 | 1570 |
| 55–64 | 520 | 414 | 56 | 583 | 48 | 1621 |
| 65–74 | 318 | 287 | 38 | 356 | 31 | 1030 |
| 75+ | 225 | 202 | 28 | 244 | 20 | 718 |
Nationally, the largest age bands are 6–18 (1,918 members) and 35–44 (1,760 members), followed closely by 55–64 (1,621 members) and 45–54 (1,570 members). The pediatric segment (Under 6 and 6–18) together accounts for over 2,600 members, while seniors (65–74 and 75+) total 1,748 members.
State-level analysis shows Washington and Idaho have the largest member populations, with Washington leading in nearly every age band. Montana and Oregon have smaller but consistent distributions, while Wyoming has the smallest member count. No state skews dramatically older or younger, but Idaho and Washington have slightly higher proportions in the working-age and pediatric bands, reflecting a family-oriented insured population.
Estimated Members by State
Washington has the largest estimated member population (4,359), followed by Idaho (4,010), Montana (2,815), Oregon (422), and Wyoming (341). This distribution aligns closely with the premium volumes and market share rankings, with Washington and Idaho representing the core of TIMBER PRODUCTS MANUFACTURERS TRUST's insured base.
The geographic concentration in the Pacific Northwest and Mountain West means providers in these regions are most likely to encounter members of this payer. The relatively small member counts in Oregon and Wyoming suggest limited impact for providers in those states, while Washington and Idaho should be prioritized for contracting and care delivery strategies. This regional focus allows providers to tailor their services and outreach to the demographic and care needs of these populations.