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C-SNP Enrollment Surged in 2024 š
The MA segment that grew 61% in 2024! A look at C-SNP enrollment trends during 2024.
Here is what youāll find in this weekās newsletter!
Important links š - the best articles we found this week about the Medicare Market along with links to Jaredās recent LinkedIn posts.
Deep Dive š - C-SNP Enrollment Surged in 2024 š
Sponsor Snapshot š - brought to you by Modivcare
Compliance Chatter š¢ - Several new regulations to review!
Itās only a 5 minute read, but it will make you 10x smarter.
Here are IMPORTANT LINKS š for the week:
Muskās DOGE team mines for fraud at Medicare, Medicaid - (link)
Out Last Week: A Paper Offering Medicare Advantage Policy Clarity From The Right, Our Analysis - (link)
Bipartisan bill offers big Medicare physician pay hike - (link)
Optum study: Accountable Medicare Advantage models reduce admissions, ER visits - (link)
Medicare Supplement Broker Incentives- 2025 Q1 Update - (link)
Medicare Supplement Premium Rate Scorecard ā February 2025 - (link)
Jaredās recent LinkedIn posts:
DEEP DIVE š
C-SNP Enrollment Surged in 2024 š
Last week our deep dive looked at 2024 month-over-month D-SNP enrollment.
(MMI+ subscribers got a additional D-SNP deep dive with a downloadable data set)
The D-SNP market slowed to 6% growth in 2024, a sharp decline from 24%+ growth in prior years.
In contrast, C-SNP enrollment surged 61% from Dec. ā23 to Dec. ā24, up from 28% in 2023, after being flat in 2021 and 2022.
[Note: I used the Medicare Market Insight MA web app tool available to MMI+ subscribers for this research which utilizes county level MA enrollment data from CMS. āTrendsā section (seen above) coming soon!]
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Where did the C-SNP Growth Happen?
C-SNP By State
An analysis of C-SNP enrollment and growth by State is quite interesting.
First of all, not every state has C-SNP enrollment. In the map below, the grey states have no recorded enrollment.
(Note: CMS data excludes counties with fewer than 11 enrollees, so some states may have small but unreported enrollment.)
Here is a snapshot of a few key enrollment data points for the states that do have C-SNP enrollment:

Key Insights:
Large MA states dominate C-SNP enrollment: Florida, Texas, California, Georgia, and Illinois lead, aligning with high Individual MA enrollment.
Surprising gaps: Pennsylvania, Ohio, and New York have large MA populations but minimal C-SNP enrollment, suggesting untapped market potential.
High-growth states in 2024: Alabama, Tennessee, North Carolina, Michigan, Utah, Kentucky, Colorado, and Indiana experienced standout % increases.
C-SNP Penetration Rate: While nationwide penetration is only 3%, Arkansas and Mississippi reached 11%, showing the high potential
š„ If all states were at 11% the C-SNP market would be 3 million!
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Carrier Level C-SNP Trends
The usual market leadersāUnitedHealth Group and Humanaātop the list, but several smaller regional carriers also stand out.
Key Insights:
UnitedHealth and Humana grew significantly, with United expanding across state markets and adding new ones (notably, all growth in AL & TN came from UHC).
Molina acquired Bright Healthās block in 2024, but its enrollment declined throughout the year.
Fastest-growing smaller carriers: Alignment, GuideWell Mutual, and Zing grew the most on a percentage basis.
Elevance underperformed compared to market growth but still ended 2024 in the top 3.
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Final Observations
There are some C-SNP State markets with only one carrierā¦
Examples:
AL ā 22,000 C-SNP enrollees; 100% UnitedHealth Group
MS ā 29,000 C-SNP enrollees; 100% Humana
Other states where there are a number of Carriers, but 1 dominatesā¦
Examples:
TX ā 137,000 C-SNP enrollees; 82% UnitedHealth Group
And a few āmatureā markets where there are a number of Carriers with significant shareā¦
Examples:
CA ā 109,000 C-SNP enrollees; 25% Alignment, 21% Molina, 18% SCAN
FL ā 160,000 C-SNP enrollees; 55% Elevance; 26% Humana, 11% UnitedHealth
ā
The C-SNP market remains small, immature, and primed for continued expansion.
With new state-level entrants, shifting carrier strategies, and changes to the D-SNP SEP, will more carriers shift focus to C-SNPs in 2025 continuing the impressive growth, and how will the elimination of VBID impact C-SNP plans?
This will be a key trend to watch. Stay tuned!
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What MMI + Subscribers read this weekā¦
COMPLIANCE CHATTER š¢
Check out this weekās Insurance Regulatory Insights newsletter which includes several regulations and rules impacting Medicare Supplement, Dental, Medicare Advantage and more.
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