Table of Contents
Scope and Themes
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- What you need to know
- Data sources
- Consumer survey data
- Advertising and Promotions
- Abbreviations and terms
- Abbreviations
- Terms
- Companies mentioned in this report
Executive Summary
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- Industry overview
- Health insurance companies are having a very good year
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- Figure 1: Stock performance of leading private insurance companies, October 27-December 21, 2009
- Stress flash points for consumers
- Half of consumers favor the Public Option
- Wellness programs are gaining traction
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- Figure 2: Percentage of U.S. adult population that is overweight, obese and extremely obese, 1960-2006
- Advertising efforts focus on Medicare, preventive care
Insights and Opportunities
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- Key points
- Preventive care is a must for the industry
- What is individual health insurance?
- Determine ways to cut spending
- How will consumers fare if no Public Option?
Inspire Insights
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- Trend: A Simple Balance for Health
- Trend: No Middleman
Market Size and Forecast
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- Key points
- NHE are growing at a faster pace than GDP
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- Figure 3: Growth in NHE and GDP, 2003-18
- Premiums have more than doubled in the past 10 years
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- Figure 4: Average annual health insurance premiums and worker contributions for family coverage, 1999-2009
- Most health dollars come from private insurance and Medicare
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- Figure 5: Source of nation’s health care dollars, 2007
- Private health insurers have lost 1 million enrollees from 2007 to 2008
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- Figure 6: Number of population uninsured and insured, 1999-2008
Competitive Context
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- Key point
- Health care reform
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- Figure 7: House and senate bills proposed, November 2009
- Pharmaceuticals – Part D gap closure likely, but reimportation out
- Call for Wellness programs
- Alternative care becoming legitimatized
- Preventive care vital to health
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- Figure 8: Top 10 leading causes of death for U.S. women, February 2008
- Figure 9: Top 10 leading causes of death for U.S. males, 2004
- The Public Option
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- Figure 10: Annual premium increases for employer-sponsored and FEHBP, 2000-09
- The Single-Payer System or “Medicare for all” – pros and cons
Marketing Channels
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- Key point
- Three ways individual health insurance is purchased
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- Figure 11: How purchased individual health insurance, by gender, November 2009
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- Figure 12: Trends in health insurance purchasing, 2007-2009
- About 50% who bought direct were web-influenced
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- Figure 13: Online personal insurance activities, 2007
Market Drivers
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- Key points
- By 2015, 6.6 million Baby Boomers will be eligible for Medicare
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- Figure 14: U.S. population, by age, 2005-15
- High job losses take many out of employer-based plans
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- Figure 15: Total non-farm payroll losses in thousands, September 2007-December 2009
- Figure 16: U.S. unemployment rate, by month, September 2007-December 2009
Leading Companies
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- Key points
- The industry grew by 7% in 2008, with UnitedHealth Group in top position
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- Figure 17: Top 10 health insurance groups, by Direct Written Premium, 2008
- Many health insurers report revenue gains for Q3 2009
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- Figure 18: Revenues and net income for largest publicly traded health insurers, Third Quarter, 2008 and 2009
Brand Qualities
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- Key points
- Blue Cross Blue Shield, Kaiser Permanente and Humana receive high marks
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- Figure 19: Results from J.D. Power & Associates 2009 National Health Insurance Study
- But, consumers do not have confidence in health insurance companies
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- Figure 20: Level of confidence consumers have in various institutions, December 2009
Innovation and Innovators
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- Key points
- United Healthcare’s Source4Women Community
- The Aetna Health Connections Direct2YouSM
- Aetna’s “15-Minute Health Insurance Guide”
- Humana develops a social media tool combining Twitter search with mapping functions
- Humana’s RealForMe.com for Baby Boomers
- Humana’s Wellzone.org
- Kaiser Permanente’s “Healthy Eating in Hard Times”
Advertising and Promotion
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- Key points
- Overview
- Print advertising – Health insurance
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- Figure 21: Aetna print ad, November 2009
- Figure 22: United Healthcare print ad, November 2009
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- Figure 23: HumanaOne print ad, September 2009
- Direct mail – Medicare
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- Figure 24: Humana, Medicare Gold Choice PFFS direct mail l ad, November 2009
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- Figure 25: AARP United Healthcare Medicare supplement Plan, November 2009
- Direct mail – Health insurance
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- Figure 26: Aetna health risk assessment direct mail ad, May 2009
- Figure 27: UnitedHealthOne direct mail ad, March 2009
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- Figure 28: Anthem Blue Cross SmartSense Plan direct mail ad, November 2009
- Figure 29: Coventry HealthAmericaOne direct mail ad, November 2009
- Email – Health insurance
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- Figure 30: Easier health insurance e-mail ad, December 2009
- Figure 31: Health insurance from consumer reward solutions email ad, December 2009
- TV commercials
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- Figure 32: Excellus Blue Cross Blue Shield, Attention Employees, 2009
- Figure 33: Blue Shield 65+ Medicare Advantage HMO Plan, 2009
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- Figure 34: Kaiser Permanente, Man Kayaks, 2009
- Figure 35: United HealthGroup, Woman on Bus, 2009
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- Figure 36: CarePlus, An Apple, 2009
The Consumer – Health Insurance Ownership
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- Key points
- Health insurance ownership
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- Figure 37: Percentage of adults who have health insurance, by age, November 2009
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- Figure 38: Type of insurance products owned, by gender and age, November 2009
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- Figure 39: Type of insurance products owned, by household income, November 2009
- Type of health insurance owned
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- Figure 40: Type of health insurance owned, overall, November 2009
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- Figure 41: Type of health insurance owned, by gender and age, November 2009
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- Figure 42: Type of health insurance owned, by household income, November 2009
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- Figure 43: Trends in types of health insurance owned, Spring 2003-Spring 2009
- Reasons consumers do not have health insurance
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- Figure 44: Reasons why do not currently have health insurance, by gender and age, November 2009
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- Figure 45: Reasons why do not currently have health insurance, by household income, November 2009
The Consumer – Brands Owned
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- Key points
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- Figure 46: Brands of health insurance owned, among those with health insurance (not government plan), November 2009
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- Figure 47: Brand(s) of health insurance owned, by gender and age, November 2009
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- Figure 48: Brand(s) of health insurance owned, by region, November 2009
- Satisfaction with health insurance provider
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- Figure 49: Satisfaction with health insurance provider, November 2009
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- Figure 50: Overall satisfaction with health insurance, by gender and age, November 2009
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- Figure 51: Overall satisfaction with health insurance, by region, November 2009
- Importance of components in choosing a provider
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- Figure 52: Importance of components of health insurance, November 2009
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- Figure 53: Importance of components of health insurance, by gender and age, November 2009
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- Figure 54: Whether denied coverage for procedures, tests or surgeries during past two years, by gender and age, November 2009
The Consumer – Health Care Reform
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- Key points
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- Figure 55: Whether in favor of/oppose elements of health care reform legislation, November 2009
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- Figure 56: Whether in favor of/oppose elements of health care reform legislation, by gender and age, November 2009
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- Figure 57: Whether in favor of/oppose elements of health care reform legislation, by household income, November 2009
The Consumer – Wellness Programs at Work
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- Key points
- Wellness programs gain traction
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- Figure 58: Whether have wellness program at work, November 2009
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- Figure 59: Types of health and wellness programs offered by employer, by gender and age, November 2009
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- Figure 60: Types of health and wellness programs offered by employer, by race/Hispanic origin, November 2009
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- Figure 61: Types of health and wellness programs offered by employer, by household income, November 2009
- Participation in Wellness programs
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- Figure 62: Types of employer based health and wellness programs offered by employer and participated in during past year, november 2009
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- Figure 63: Types of employer based health and wellness programs participated in during past year, by gender and age, November 2009
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- Figure 64: Types of employer based health and wellness programs participated in during past year, by race/Hispanic origin, November 2009
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- Figure 65: Types of employer based health and wellness programs participated in during past year, by household income, November 2009
- Health risk assessments
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- Figure 66: Among firms offering health benefits, percentage of firms that offer health risk assessments, 2009
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- Figure 67: Among firms offering health benefits and health risk assessments, percentage of firms that offer financial incentives to complete risk assessments, 2009
The Consumer – The Insured vs. the Uninsured
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- Key points
- Attitudes and behaviors
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- Figure 68: Medical professionals consulted in last 12 months, Spring 2009
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- Figure 69: Attitudes towards health, percentage who agree with statement, Spring 2009
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- Figure 70: Attitudes towards health & medicine, percent who agree with statement, Spring 2009
- Smoking cessation
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- Figure 71: Whether tried to stop smoking in last 12 months, Spring 2009
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- Figure 72: Methods employed to stop smoking during last 12 months, Spring 2009
- Exercise programs
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- Figure 73: Whether have initiated an exercise program in last 12 months, Spring 2009
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- Figure 74: Where exercised in last 12 months, Spring 2009
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- Figure 75: How often exercise, if exercise regularly, Spring 2009
Cluster Analysis
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- Reform Advocates
- Insurance Minimalists
- Risk Averse
- Characteristics tables
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- Figure 76: Health insurance clusters, November 2009
- Figure 77: Type of insurance products owned, by cluster, November 2009
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- Figure 78: Type of health insurance owned, by cluster, November 2009
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- Figure 79: Overall satisfaction with health insurance, by cluster, November 2009
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- Figure 80: Importance of components of health insurance, by cluster, November 2009
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- Figure 81: Whether denied coverage for procedures, tests or surgeries during past two years, by cluster, November 2009
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- Figure 82: Whether in favor of/oppose elements of health care reform legislation, by cluster, November 2009
- Demographics tables
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- Figure 83: Health insurance clusters, by gender, November 2009
- Figure 84: Health insurance clusters, by age, November 2009
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- Figure 85: Health insurance clusters, by household income, November 2009
- Figure 86: Health insurance clusters, by race, November 2009
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- Figure 87: Health insurance clusters, by Hispanic origin, November 2009
- Cluster methodology
Appendix: Simmons Mosaic Analysis
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- Key points
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- Figure 88: Health insurance penetration, by Mosaic segment, Spring 2009
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- Figure 89: How obtained health insurance, by Mosaic segment, Spring 2009
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- Figure 90: How purchased health insurance, by Mosaic segment, Spring 2009
Appendix: Trade Associations
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