Which counties have growth momentum with almost no competition?

Data through Plan year 2026, with 2023–2026 penetration history · Updated May 1, 2026 static extract

8 of the 76 tracked counties combine 2 or fewer MA carriers with positive penetration velocity: growth is arriving, and almost nobody is there to sell against. Every one of them is also a flagged low-competition market in the county file, which makes this the expansion whitespace list for the tracked set.

8
Whitespace counties (≤2 carriers, velocity > 0)
Plan year 2026, with 2023–2026 penetration history
+0.87 pts
Fastest whitespace velocity (Towns, GA)
Plan year 2026, with 2023–2026 penetration history
76
Counties in the tracked set (coverage note below)
Plan year 2026, with 2023–2026 penetration history

The whitespace list

Towns, GA66.4%· 2 carriers · +0.87 pts YoYLubbock, TX56.8%· 2 carriers · +0.87 pts YoYCoconino, AZ52.6%· 2 carriers · +0.87 pts YoYAshtabula, OH47.8%· 2 carriers · +0.87 pts YoYBenzie, MI46.2%· 2 carriers · +0.87 pts YoYGreene, NC44.8%· 2 carriers · +0.87 pts YoYLaSalle, IL43.2%· 2 carriers · +0.87 pts YoYCrawford, PA44.2%· 2 carriers · +0.8 pts YoY

Bars show current penetration; the annotation carries carrier count and YoY velocity. Low penetration plus positive velocity plus an empty shelf is the expansion signal.

CountyStateCarriersPenetrationVelocity (pts YoY)D-SNP shareOM base (K)Incumbent to beat
TownsGA 266.4% +0.87 12% 12 Humana
LubbockTX 256.8% +0.87 20% 72 UHC
CoconinoAZ 252.6% +0.87 24% 48 UHC
AshtabulaOH 247.8% +0.87 22% 68 UHC
BenzieMI 246.2% +0.87 16% 22 BCBSMich
GreeneNC 244.8% +0.87 26% 28 Centene
LaSalleIL 243.2% +0.87 18% 92 BCBS
CrawfordPA 244.2% +0.8 16% 78 Highmark

Coverage: what this list can and cannot see

These counties come from the 76-county tracked set compiled from CPSC files, chosen for signal value, not randomness. Rural whitespace outside the tracked set is invisible here until the full-county CPSC pipeline lands (see the roadmap card on the sales hub). Treat this as a verified starter list, not the census of American MA whitespace.

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So what / Now what

In a two-carrier county with rising penetration, demand is growing faster than the shelf. A new entrant is not fighting for share, it is absorbing demand the incumbents cannot brand-block, and brokers in these counties have almost nothing to sell. The same table works defensively: if you are one of the two incumbents, these are the counties where a rival filing should trigger a retention plan.

Provenance — County-level MA market snapshot (76 tracked counties)
Source file
CMS MA Enrollment by State/County/Plan (CPSC monthly files)
Vintage
Plan year 2026, with 2023–2026 penetration history
Last updated
May 1, 2026
Refresh cadence
Monthly (pipeline pending; currently a curated extract)
Method
Penetration, D-SNP share, carrier count and top carrier per county compiled from CPSC files for 76 high-signal counties.
Known limitations
Covers 76 tracked counties, not all ~3,100. Velocity = simple YoY penetration point change.