Table of Contents
Scope and Themes
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- What you need to know
- Data sources
- Sales data
- Consumer survey data
- Direct marketing creative
- Abbreviations and terms
- Abbreviations
- Terms
- Companies mentioned in this report
Executive Summary
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- The market
- The population is aging, which will increase the need for healthcare
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- Figure 1: Age of U.S. population, by percentage, 2010, 2030
- Figure 2: Percentage of uninsured in U.S. population, by age, 2010-11
- Market drivers
- Healthcare costs are still rising, but rate of increase is slowing
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- Figure 3: Consumer price indices overall and for related healthcare items, 2003-12
- Leading companies
- WellPoint has largest market share
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- Figure 4: Top five health insurance companies, by direct written premiums, 2010, 2012
- The consumer
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- Figure 5: Type of health insurance coverage owned, April 2013
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- Figure 6: Awareness of provisions of healthcare reform/PPACA, by gender, April 2013
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- Figure 7: Attitudes toward healthcare and the PPACA, April 2013
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- Figure 8: Plans for choosing healthcare coverage April 2013
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- Figure 9: Satisfaction with current healthcare plan, April 2013
- What we think
Issues and Insights
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- Health exchanges will reduce, not eliminate, the number of uninsured
- Issues:
- Insights:
- Why pay for insurance if the penalty costs less?
- Issues:
- Insights:
- What groups offer the most potential once the PPACA is implemented?
- Issues:
- Insights:
- How can insurers encourage people to take action?
- Issues:
- Insights:
- Is there opportunity among people with employer-sponsored health insurance?
- Issues:
- Insights:
Trend Application
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- Inspire Trend: Return to the Experts
- Opportunities for health insurers
- Inspire Trend: Help Me Help Myself
- Opportunities for health insurers
- Mintel Futures: Access Anything, Anywhere
- Opportunities for health insurers
Market Size and Forecast
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- Key points
- Number of uninsured rose for a decade, but now is beginning to drop
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- Figure 10: Number of insured/uninsured people in U.S., 2001-11
- Figure 11: Percentage of uninsured in U.S. population, by age, 2001, 2006, 2011
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- Figure 12: Number of uninsured in U.S. population, by age, 2010-11
- Number of firms offering health insurance is trending down
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- Figure 13: Number of firms offering employer sponsored health insurance, 1999-2012
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- Figure 14: Percentage of covered workers at firms that offer health insurance, 1999-2012
- Premiums written have more than doubled since 2003
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- Figure 15: Increase in healthcare premiums, 2003-11
- NHE is growing faster than GDP
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- Figure 16: Growth in NHE and GDP, 2009-21 (Projected)
- Figure 17: Increase in NHE as a percentage of GDP, 2009-12 (Projected)
- Costs are still high, but increases are slowing
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- Figure 18: Consumer price indices, overall and for related healthcare items, 2003-12
- Insurance is highest portion of healthcare cost – and growing
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- Figure 19: Average annual healthcare expenditures across all ages, 2007-11
- Expanded eligibility for Medicaid
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- Figure 20: Medicaid enrollment with and without expansion, by state, 2022 (projected)
Market Drivers
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- Key points
- Population is aging
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- Figure 21: Population estimates, by age, 2012, 2015, 2020, 2030
- Figure 22: Age segments as a percentage of the population, 2012, 2030
- Unemployment is trending down
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- Figure 23: Unemployment in U.S., May 2008- May 2013
- Healthcare costs are still rising, but rate of increase is slowing
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- Figure 24: Consumer price indices overall and for related healthcare items, 2003-12
- The federal government is ramping up publicity
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- Figure 25: Sources of PPACA information plan to use in the future, by gender, April 2013
Competitive Context
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- Key points
- WellPoint has largest market share
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- Figure 26: Top ten health insurance companies, by direct written premiums, 2010, 2012
- United Health Group is the largest healthcare company by membership
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- Figure 27: Largest healthcare companies, by membership, October 2012
- Health exchanges’ effect on competition will vary by state
- Concierge medicine
- Medical Tourism
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- Figure 28: Percentage of respondents who would consider going overseas for an operation, by gender and age, April 2013
- Penalty for noncompliance is low
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- Figure 29: Intentions for enrolling in a health plan, all non-insured respondents by age, April 2013
Innovations and Innovators
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- Key points
- Compass SmartShopper™
- Aetna’s CarePass
- Wellview from UnitedHealthcare
- Hospitals are forming insurance companies
Marketing Strategies
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- Key points
- Direct mail volume drops in Q1 2013
- Overview of the PPACA landscape
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- Figure 30: Awareness of provisions of healthcare reform/PPACA, overall, April 2013
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- Figure 31: Awareness of provisions of healthcare reform/PPACA, by gender, April 2013
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- Figure 32: Number of uninsured Americans, by gender, 2001-11
- People plan to change how they get PPACA information
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- Figure 33: Sources of PPACA information used in the past vs. plan to use in the future, April 2013
- Sources of PPACA information
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- Figure 34: Sources of PPACA information used in the past, by insurance company, April 2013
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- Figure 35: Sources of PPACA information plan to use in the future, by insurance company, April 2013
- The federal government is ramping up publicity
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- Figure 36: Sources of PPACA information plan to use in the future, by gender, April 2013
- Univision and WellPoint team up to educate Hispanics on the PPACA
- Wellness programs
- Humana
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- Figure 37: Humana video, 2013
- Blue Cross
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- Figure 38: Blue Cross television ad, 2012
- Figure 39: Blue Cross Blue Shield video, 2013
- UnitedHealth Group
- Online Presence
- Online/Email Ads
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- Figure 40: UnitedHealthcare online ad, March 2013.
- Figure 41: UnitedHealthcare email, March 2013
- Direct mail
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- Figure 42: UnitedHealthcare direct mail ad, April 2013
- Figure 43: UnitedHealthcare direct mail ad, May 2013
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- Figure 44: UnitedHealthcare direct mail ad, April 2013
- Figure 45: UnitedHealthcare direct mail ad, April 2013
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- Figure 46: UnitedHealthcare print ad, 2012
- TV ads
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- Figure 47: UnitedHealthcare, television ad, August 2011
- Figure 48: UnitedHealthcare, television ad, January 2012
- Humana
- Online presence
- Online/Email
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- Figure 49: Humana online ad, 2012
- Figure 50: Humana email ad, 2013
- Direct mail
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- Figure 51: Humana direct mail ad, 2013
- Figure 52: Humana direct mail ad, 2013
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- Figure 53: Humana print ad, 2013
- Figure 54: Humana print ad, 2012
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- Figure 55: Humana print ad, 2012
- TV ads
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- Figure 56: Humana television ad, 2011
- Figure 57: Humana television ad, 2012
- Aetna
- Online presence
- Online/Email ads
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- Figure 58: Aetna online ad, 2013
- Figure 59: Aetna online ad, 2012
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- Figure 60: Aetna email ad, 2013
- Direct mail
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- Figure 61: Aetna direct mail ad, 2013
- Figure 62: Aetna direct mail ad, 2013
- Video
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- Figure 63: Aetna video ad, 2012
Social Media – Health Insurance
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- Key points
- Key social media metrics
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- Figure 64: Key brand metrics, health insurance brands, June 2013
- Market overview
- Brand usage and awareness
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- Figure 65: Usage and awareness of selected health insurance brands, April 2013
- Interaction with brands
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- Figure 66: Interaction with selected health insurance brands, April 2013
- Online conversations
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- Figure 67: Percentage of consumer conversation by selected health insurance brands, May 20, 2013-June 19, 2013
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- Figure 68: Online mentions, selected health insurance, by day, May 20, 2013-June 19, 2013
- Where are people talking about health insurance brands?
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- Figure 69: Mentions, by page type, selected health insurance brands, May 20, 2013-June 19, 2013
- What are people talking about?
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- Figure 70: Mentions, by type of conversation, selected health insurance brands, May 20, 2013-June 19, 2013
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- Figure 71: Major areas of discussion surrounding health insurance brands, by day, May 20, 2013-June 19, 2013
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- Figure 72: Major areas of discussion surrounding health insurance brands, by page type, May 20, 2013-June 19, 2013
- Brand analysis
- HCSC
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- Figure 73: HCSC key social media indicators, June 2013
- Key online campaigns
- What we think
- Aetna
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- Figure 74: Aetna key social media indicators, June 2013
- Key online campaigns
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- Figure 75: Selected Aetna Twitter mentions, July 2011
- What we think
- Kaiser Permanente
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- Figure 76: Kaiser Permanente key social indicators, June 2013
- Key online campaigns
- What we think
- UnitedHealthcare
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- Figure 77: UnitedHealthcare key social media indicators, June 2012
- Key online campaigns
- What we think
- Humana
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- Figure 78: Humana key social media indicators, June 2013
- Key online campaigns
- What we think
- WellPoint
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- Figure 79: WellPoint key social media indicators, June 2013
- Key online campaigns
- What we think
Consumer’s Current Health Insurance Coverage
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- Key points
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- Figure 80: Type of health insurance coverage owned, by gender, April 2013
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- Figure 81: Type of health insurance coverage owned, by age, April 2013
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- Figure 82: Type of health insurance coverage owned, by gender and age, April 2013
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- Figure 83: Type of health insurance coverage owned, by household income, April 2013
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- Figure 84: Type of health insurance coverage owned, by brand/insurance carrier, April 2013
Knowledge about Healthcare Reform
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- Key points
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- Figure 85: Awareness of provisions of healthcare reform/PPACA, by gender, April 2013
- Figure 86: Awareness of provisions of healthcare reform/PPACA, by age, April 2013
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- Figure 87: Awareness of provisions of healthcare reform/PPACA, by gender and age, April 2013
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- Figure 88: Awareness of provisions of healthcare reform/PPACA, by household income, April 2013
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- Figure 89: Awareness of provisions of healthcare reform/PPACA, by race, April 2013
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- Figure 90: Awareness of provisions of healthcare reform/PPACA, by brand usage, April 2013
Sources of Healthcare Reform Information
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- Key points
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- Figure 91: Sources used for information on PPACA in the past, by gender, April 2013
- Figure 92: Sources used for information on PPACA in the past, by age, April 2013
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- Figure 93: Sources used for information on PPACA in the past, by gender and age, April 2013
- Figure 94: Sources used for information on PPACA in the past, by household income, April 2013
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- Figure 95: Sources used for information on PPACA in the past, by race, April 2013
- Figure 96: Sources used for information on PPACA in the past, by information source used, April 2013
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- Figure 97: Sources used for information on PPACA in the past, by information source used, April 2013
Future Sources of Information about PPACA
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- Key points
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- Figure 98: Sources of PPACA information plan to use in the future, by gender, April 2013
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- Figure 99: Sources of PPACA information plan to use in the future, by age, April 2013
Attitudes about Own Health Insurance and PPACA
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- Key points
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- Figure 100: Attitudes toward healthcare and the PPACA, by gender, April 2013
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- Figure 101: Attitudes toward healthcare and the PPACA, by age, April 2013
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- Figure 102: Attitudes toward healthcare and the PPACA, by household income, April 2013
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- Figure 103: Attitudes toward healthcare and the PPACA, by race, April 2013
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- Figure 104: Attitudes toward healthcare and the PPACA, by knowledge of PPACA, April 2013
Plans for Choosing Healthcare Coverage
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- Key points
- Switching behavior/Plans to switch
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- Figure 105: Switching behavior and plans to switch providers in the future, by gender, April 2013
- Figure 106: Switching behavior and plans to switch providers in the future, by age, April 2013
- Enrolling in new options
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- Figure 107: Plans to enroll in insurance exchanges/co-ops, by gender, April 2013
- Figure 108: Plans to enroll in insurance exchanges/co-ops, by age, April 2013
- Factors in considering choice of healthcare
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- Figure 109: Factors in considering choice of healthcare, by gender, April 2013
- Figure 110: Factors in considering choice of healthcare, by Age, April 2013
Uninsureds’ Plan for Choosing Healthcare Coverage
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- Key points
- Plan for choosing healthcare coverage
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- Figure 111: Uninsureds’ plans for choosing healthcare coverage, by gender, April 2013
- Figure 112: Uninsureds’ plans for choosing healthcare coverage, by age, April 2013Plans for choosing health coverage, by age, April 2013
- Factors in considering choice of healthcare
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- Figure 113: Uninsureds’ factors in considering choice of healthcare, by gender, April 2013
- Figure 114: Uninsureds’ plans for choosing healthcare coverage, by age, April 2013
Satisfaction with Current Healthcare Plan
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- Key points
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- Figure 115: Satisfaction with current healthcare plan, by gender, April 2013
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- Figure 116: Satisfaction with current healthcare plan, by age, April 2013
- Figure 117: Satisfaction with current healthcare plan, by gender and age, April 2013
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- Figure 118: Satisfaction with current healthcare plan, by brand usage, April 2013
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- Figure 119: Satisfaction with current healthcare plan, by knowledge of PPACA, April 2013
Cluster Analysis
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- Cluster methodology
- Confident Optimists
- Demographics
- Characteristics
- Opportunity
- Uninformed Doubters
- Demographics
- Characteristics
- Opportunity
- Educated Skeptics
- Demographics
- Characteristics
- Opportunity
- Cluster characteristic tables
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- Figure 120: Target clusters, April 2013
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- Figure 121: Type of health insurance coverage owned, by target clusters, April 2013
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- Figure 122: Awareness of provisions of healthcare reform/PPACA, by target clusters, April 2013
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- Figure 123: Sources of PPACA information used in the past, by target clusters, April 2013
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- Figure 124: Sources of PPACA Information source plan to use in future, by target clusters, April 2013
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- Figure 125: Attitudes toward healthcare and the PPACA, by target clusters, April 2013
- Figure 126: Satisfaction with current healthcare plan, by target clusters, April 2013
- Cluster demographic tables
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- Figure 127: Target clusters, by demographic, April 2013
- Cluster methodology
Appendix – Social Media – Health Insurance
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- Figure 128: Brand usage or awareness, April 2013
- Figure 129: UnitedHealthcare usage or awareness, by demographics, April 2013
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- Figure 130: Aetna usage or awareness, by demographics, April 2013
- Figure 131: Kaiser Permanente usage and awareness, by demographics, April 2013
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- Figure 132: WellPoint usage or awareness, by demographics, April 2013
- Figure 133: Humana usage or awareness, by demographics, April 2013
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- Figure 134: HCSC (ie BlueCross and BlueShield) usage or awareness, by demographics, April 2013
- Interaction with brands
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- Figure 135: Activities done, April 2013
- Figure 136: Any brand – Activities done, by demographics, April 2013
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- Figure 137: Any brand – Activities done, by demographics, April 2013
- Figure 138: UnitedHealthcare – Activities done, by demographics, April 2013
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- Figure 139: Aetna – Activities done, by demographics, April 2013
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- Figure 140: HCSC – Activities done, by demographics, April 2013
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- Figure 141: Percentage of consumer conversation by selected health insurance brands, May 20, 2013-June 19, 2013
- Figure 142: Online mentions, selected health insurance, by day, May 20-2013-June 19, 2013
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- Figure 143: Mentions, by page type, selected health insurance brands, May 20, 2013-June 19, 2013
- Figure 144: Mentions, by type of conversation, selected health insurance brands, May 20, 2013-June 19, 2013
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- Figure 145: Major areas of discussion surrounding health insurance brands, by day, May 20, 2013-June 19, 2013
- Figure 146: Major areas of discussion surrounding health insurance brands, by page type, Mary 20-2013-June 19, 2013
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Appendix – Trade Associations
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