Many Florida health insurers cover fewer than 5 people in Florida.

Researchers at the Florida Office of Insurance Regulation have included the carriers in a list of 139 carriers that told the office they collected some major medical insurance premiums in Florida in 2009.

Large regional players such as Blue Cross and Blue Shield of Florida Inc., Jacksonville, Fla., and AvMed Inc., Miami, and large national players such as UnitedHealth Group Inc., Minnetonka, Minn. (NYSE:UNH), and Aetna Inc., Hartford (NYSE:AET), dominate the top of the list.

Florida Blue, for example, earned about $4 billion in direct premiums in 2009 by covering 1.1 million lives and accounted for 27% of private carrier premium revenue.

The Public Health Trust of Dade County, Miami, the company that ranks 20th in terms of direct premiums earned, collected $64 million in direct premiums for covering 12,161 lives and held a 0.44% market share.

The companies that rank from 100 to 139 in terms of direct premiums earned all collected less than $30,000 in major medical premiums in 2009 and covered 113 or fewer people, and 20 of those companies covered 5 or fewer people. There 7 companies at the bottom of the list that collected $49 to $16,926 in 2009 major medical premiums for covering 1 life each, and a New York unit of American International Group Inc., New York (NYSE:AIG), collected $20,296 in major medical premiums in 2009 without having any covered lives in Florida.

-ab