WMI MUT INS CO Market Analysis: Market Share and Coverage by State
WMI MUT INS CO is a small, regionally focused health insurer with a concentrated presence in a handful of Western states. It operates without affiliated subsidiaries and has no reported territory or foreign premium exposure.
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Payer Overview
WMI MUT INS CO is a regional accident & health carrier positioned as a smaller participant in the national market. It reports the #239 US market ranking with $12.6M in US premium and a US market share of 0%, operating across 4 states and serving an estimated 3.2K members. The company does not hold a #1 position in any state and operates through 0 affiliated subsidiaries.
The payer's premium is concentrated entirely within the continental US states it serves, with no reported US territory or foreign premium exposure. That focused footprint means WMI MUT INS CO concentrates commercial influence in a few Western states rather than pursuing broader national scale.
Subsidiary Filings
National Market Presence
WMI MUT INS CO's premium is highly concentrated in a small set of Western states, with $7.08M in Montana and $5.11M in Utah together representing the bulk of its premium. The carrier's total estimated membership across these states is 3.2K, concentrated largely in Montana and Utah. For national providers, this concentration implies limited negotiating leverage with the payer on a national scale but potential importance in local markets where premium and membership density are meaningful.
Given the carrier's regional focus, provider contracting teams should prioritize relationships in the Western states where the payer writes most premium. National strategies should account for the carrier's limited footprint and consider localized network arrangements rather than broad national contracting terms.
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State-by-State Market Position
WMI MUT INS CO shows its strongest positions in the Mountain West. Montana and Utah are the primary states of presence, with Montana being the largest by premium and market share. Idaho and Nevada appear with minimal premium and market share, reflecting very limited exposure in those state markets.
This geographic distribution — concentrated in the West and largely absent elsewhere — suggests multi-state provider groups will see most of the payer's commercial activity confined to a narrow set of facilities. For integrated health systems operating across regions, this means negotiating leverage with WMI MUT INS CO will be localized; systems should focus operational and contracting resources on MT and UT where the payer carries substantive premium (measured in millions) rather than expending effort in the broader Midwest, Northeast, or Southeast where the payer has no reported presence.
About ACA Marketplace Data
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.
Member Demographics
Estimated Member Demographics
Nationally, the largest age bands are 6–18 (554 members), 35–44 (448 members), and 55–64 (402 members). The distribution is relatively balanced across working-age adults and children, with a smaller proportion of seniors (65+). Montana and Utah have the largest member counts, and their age distributions closely mirror the national profile.
No state shows a dramatic skew toward older or younger populations, but Montana has a slightly higher proportion of seniors (65–74 and 75+) compared to other states. Idaho and Nevada have very small member counts, making their age distributions less impactful on the overall profile.
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Estimated Members by State
WMI MUT INS CO's estimated member distribution is highly concentrated in Montana (1,830 members) and Utah (), with much smaller populations in Idaho () and Nevada (). This geographic concentration aligns with the payer's premium volume and market share, as Montana and Utah are the states where WMI MUT INS CO writes the most premium and holds its highest market shares.
References
- 1.2024 Market Share Reports for the Top Accident and Health Insurance Groups and Companies by State and Countrywide. National Association of Insurance Commissioners (NAIC). Retrieved Aug 11, 2026.Ranks the largest accident and health insurance carriers nationwide and by state, the source for this payer's market share and direct-premium figures.
- 2.Health Insurance Exchange Public Use Files (Exchange PUFs). Centers for Medicare & Medicaid Services (CMS). Retrieved Aug 11, 2026.Plan-level enrollment, premium, and cost-sharing data submitted by issuers participating in the ACA Marketplace, the source for this payer's exchange presence figures.
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