Table of Contents
Scope and Themes
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- What you need to know
- Methodology
- Abbreviations and terms
Executive Summary
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- Industry overview
- The recession is taking a toll
- The new administration is taking action
- The consumer and healthcare
- Who has responsibility for healthcare?
- What is important in a health plan?
Insights and Opportunities
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- Become proactive in healthcare reform
- Reduce healthcare costs
- Concentrate on wellness programs
- Invest in technology
- Investigate critical illness insurance
- Voluntary health benefits play a bigger role
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- Figure 1: Worksite life insurance sales, by lines of business, 2007
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- Figure 2: Group and individual worksite sales, 2002-07
- Figure 3: Worksite sales, by distribution segment, 2007
Inspire Insights
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- Trend: Over-Optioned Consumers
- What we have seen
- Implications
- Trend: Customization
- What we have seen
- Implications
- Trend: Health 2.0
- Implications
Market Size and Forecast
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- Key points
- NHE continue to grow, albeit at a slower pace
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- Figure 4: Growth in NHE and GDP, 2003-18
- The growth of the uninsured…
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- Figure 5: Number of insured/uninsured in U.S., 1999-2007
- …and the underinsured
- How America spends its healthcare money
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- Figure 6: Sources of U.S. healthcare funds, 2006
Competitive Context
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- Key points
- Americans are shopping more for healthcare
- Fortune magazine’s World’s Most Admired Companies define corporate reputations
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- Figure 7: 2009 Fortune magazine’s most admired companies, managed care category
Marketing Channels
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- Key point
- Online marketing is more prevalent
- Storefronts
Market Drivers
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- Key points
- Health insurance and the recession
- Rising costs are changing the way people use the healthcare system
- Individuals are paying more
- Legislation expands COBRA
- Obama’s healthcare reform proposal
- Mergers and acquisitions remain commonplace in the health insurance industry but have become a source of concern
- The popularity of HSAs has exploded
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- Figure 8: Enrollment in HSAs, 2005-08
- Medical tourism is becoming more popular
- CDHPs and HDHPs
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- Figure 9: Percentage of respondents extremely or very satisfied with quality of care, 2005-08
- Figure 10: Percentage extremely or very satisfied with out-of-pocket costs, 2005-08
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- Figure 11: Percentage of those who believe that their health plan will protect them against an expensive illness, 2005-08
Leading Companies
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- Key points
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- Figure 12: Top health insurance groups, by direct premiums, 2007
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- Figure 13: Top health insurers, by premiums, 2006 vs. 2007
- Figure 14: Largest health insurance companies, by revenues, 2007
- UnitedHealth Group
- Aetna
- WellPoint
Innovation and Innovators
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- Key point
- Massachusetts’ 2006 health insurance plan has earned strong approval
- Montana expands healthcare coverage for children
Advertising and Promotion
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- Key points
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- Figure 15: Health insurance direct mail volume, Q3 2007-Q3 2008
- Figure 16: Mail volume, by product*, Q3 2008
- Direct mail
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- Figure 17: Direct mail from Blue Cross & Blue Shield of Illinois, November 2008
- Figure 18: Direct mail piece from Golden Rule Health Company, November 2008
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- Figure 19: Direct mail from Aetna/AARP, April-May 2008
- Figure 20: Anthem Blue Cross & Blue Shield direct mail piece promoting preventative care, October 2008
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- Figure 21: Humana mailing reminding of the need for a flu shot, October 2008
- Figure 22: Direct mail from UnitedHealthcare, July-August 2008
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- Figure 23: AFLAC customer loyalty piece, March-July 2008
- Print advertising
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- Figure 24: Medicare plan ad, January 2009
- Figure 25: Ad for heart scan gift certificate, February 2009
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- Figure 26: Ad for CarePlus, January 2009
- Television ads
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- Figure 27: “More choices, more options,” Assurant Health, 2008
- Figure 28: eHealth.com, 2008
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- Figure 29: AFLAC, 2008
- Figure 30: Aflacforbusiness.com, 2008
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- Figure 31: UnitedHealthcare through AARP, 2008
- Figure 32: Humana all-in-one health plan, 2008
The Consumer—Enrollment and Type of Plan
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- Key points
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- Figure 33: Respondents enrolled in a health insurance plan, by gender and age, November 2008
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- Figure 34: Respondents enrolled in a health insurance plan, by race/Hispanic origin and household income, November 2008
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- Figure 35: Type of health insurance, by gender and age, November 2008
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- Figure 36: Type of health insurance, by race/Hispanic origin and household income, November 2008
The Consumer—Satisfaction with Components of Current Plan
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- Figure 37: Satisfaction with components of medical plan, net satisfied by gender and age, November 2008
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- Figure 38: Satisfaction with components of medical plan, net satisfied by race/Hispanic origin and household income, November 2008
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- Figure 39: Satisfaction with components of medical plan, November 2008
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The Consumer—Importance of Components in Choosing A New Plan
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- Figure 40: Importance of components of medical plan in choosing a new plan, by gender and age, November 2008
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- Figure 41: Importance of components of medical plan in choosing a new plan, by race/Hispanic origin and household income, November 2008
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- Figure 42: Importance of components of medical plan in choosing a new plan, by existing plan type, November 2008
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- Figure 43: Importance of components of medical plan in choosing a new plan, summary of means, by gender with age, November 2008
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The Consumer—Degree of Trust in Healthcare and Insurance Providers
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- Figure 44: Degree of trust in healthcare and insurance providers, November 2006
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- Figure 45: Level of trust in various medical professionals, by gender and age, November 2008
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- Figure 46: Level of trust in various medical professionals, by gender and age, November 2008
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- Figure 47: Level of trust in various medical professionals, by race/Hispanic origin and household income, November 2008
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- Figure 48: Degree of trust in healthcare and insurance providers, by marital status and presence of children, November 2008
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The Consumer—Who is Responsible for Increasing Healthcare Costs?
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- Figure 49: Degree to which healthcare providers have contributed to the increasing cost of healthcare, summary of means, by gender and age, November 2008
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- Figure 50: Degree to which respondents believe that healthcare and insurance providers are contributing to the increasing cost of healthcare, November 2006
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- Figure 51: Degree to which healthcare providers have contributed to the increasing cost of healthcare, summary of means, by race/Hispanic origin and household income, November 2008
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- Figure 52: Degree to which healthcare providers have contributed to the increasing cost of healthcare, summary of means, by gender with age, November 2008
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The Consumer—Who is Responsible for Providing Insurance?
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- Figure 53: Who should have responsibility for providing health insurance, by gender and age, November 2008
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- Figure 54: Who should have responsibility for providing health insurance, by race/Hispanic origin and household income, November 2008
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- Figure 55: Who should have responsibility for providing health insurance, by insured/uninsured, November 2008
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- Figure 56: Who should have responsibility for providing health insurance, by marital status and presence of children, November 2008
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- Figure 57: Who should have responsibility for providing health insurance, by gender with age, November 2008
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The Consumer—Expectations about Health Insurance in the Future
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- Figure 58: Attitudes towards health insurance, by gender and age, November 2008
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- Figure 59: Attitudes towards health insurance, by race/Hispanic origin and household income, November 2008
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- Figure 60: Attitudes towards insurance, by marital status and presence of children, November 2008
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- Figure 61: Attitudes towards insurance, by gender with age, November 2008
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- Figure 62: Attitudes towards healthcare, 2007 and 2008
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The Consumer—Historical Comparison of Marketing Channel Used
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- Figure 63: Method of obtaining current medical policy, 2003-08
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- Figure 64: Method of obtaining current medical policy, 2007 and 2008
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The Consumer—Satisfaction with Employer-provided vs. Individual Policies
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- Figure 65: Degree of satisfaction with employer-provided policies, by employment status, November 2008
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- Figure 66: Importance of attributes when choosing a policy, employer provided policies, by employment status, November 2008
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- Figure 67: Importance of attributes when choosing a policy, for those with individual policies, by employment status, November 2008
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Cluster Analysis
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- Organizers
- Who they are
- Opportunity
- The Employed
- Who they are
- Opportunity
- Loners
- Who they are
- Opportunity
- Cluster characteristics
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- Figure 68: Health insurance clusters, November 2008
- Figure 69: Type of health insurance, by health insurance clusters, November 2008
- Figure 70: Who should have responsibility for providing health insurance, by health insurance clusters, November 2008
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- Figure 71: Satisfaction with components of medical plan, by health insurance clusters, November 2008
- Figure 72: Importance of components of medical plan in choosing a new plan, by health insurance clusters, November 2008
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- Figure 73: Level of trust in various medical professionals, by health insurance clusters, November 2008
- Figure 74: Degree to which healthcare providers have contributed to the increasing cost of healthcare, by health insurance clusters, November 2008
- Cluster demographics
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- Figure 75: Health insurance clusters, by gender, November 2008
- Figure 76: Health insurance clusters, by age, November 2008
- Figure 77: Health insurance clusters, by household income, November 2008
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- Figure 78: Health insurance clusters, by race, November 2008
- Figure 79: Health insurance clusters, by Hispanic origin, November 2008
- Cluster methodology
Appendix: Trade Associations
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