Table of Contents
- Scope and Themes
- What you need to know
- Methodology
- Abbreviations and terms
- Executive Summary
- 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?
- Market Size and Forecast
- Key points
- NHE continue to grow, albeit at a slower pace
- Figure 4: Growth in NHE and GDP, 2003-18
- The growth of the uninsured...
- Figure 5: Number of insured/uninsured in U.S., 1999-2007
- ...and the underinsured
- How America spends its healthcare money
- Figure 6: Sources of U.S. healthcare funds, 2006
- Competitive Context
- Key points
- Americans are shopping more for healthcare
- Fortune magazine' s World' s Most Admired Companies define corporate
reputations
- Figure 7: 2009 Fortune magazine' s most admired companies, managed care
category
- Marketing Channels
- Key point
- Online marketing is more prevalent
- Storefronts
- Market Drivers
- 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
- Figure 8: Enrollment in HSAs, 2005-08
- Medical tourism is becoming more popular
- CDHPs and HDHPs
- 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
- Figure 11: Percentage of those who believe that their health plan will
protect them against an expensive illness, 2005-08
- Leading Companies
- Key points
- Figure 12: Top health insurance groups, by direct premiums, 2007
- 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
- Key point
- Massachusetts' 2006 health insurance plan has earned strong approval
- Montana expands healthcare coverage for children
- Advertising and Promotion
- Key points
- Figure 15: Health insurance direct mail volume, Q3 2007-Q3 2008
- Figure 16: Mail volume, by product*, Q3 2008
- Direct mail
- 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
- 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
- Figure 21: Humana mailing reminding of the need for a flu shot, October
2008
- Figure 22: Direct mail from UnitedHealthcare, July-August 2008
- Figure 23: AFLAC customer loyalty piece, March-July 2008
- Print advertising
- Figure 24: Medicare plan ad, January 2009
- Figure 25: Ad for heart scan gift certificate, February 2009
- Figure 26: Ad for CarePlus, January 2009
- Television ads
- Figure 27: "More choices, more options," Assurant Health, 2008
- Figure 28: eHealth.com, 2008
- Figure 29: AFLAC, 2008
- Figure 30: Aflacforbusiness.com, 2008
- Figure 31: UnitedHealthcare through AARP, 2008
- Figure 32: Humana all-in-one health plan, 2008
- The Consumer--Enrollment and Type of Plan
- Key points
- Figure 33: Respondents enrolled in a health insurance plan, by gender
and age, November 2008
- Figure 34: Respondents enrolled in a health insurance plan, by
race/Hispanic origin and household income, November 2008
- Figure 35: Type of health insurance, by gender and age, November 2008
- Figure 36: Type of health insurance, by race/Hispanic origin and
household income, November 2008
- The Consumer--Satisfaction with Components of Current Plan
- Figure 37: Satisfaction with components of medical plan, net satisfied
by gender and age, November 2008
- Figure 38: Satisfaction with components of medical plan, net satisfied
by race/Hispanic origin and household income, November 2008
- Figure 39: Satisfaction with components of medical plan, November 2008
- The Consumer--Importance of Components in Choosing A New Plan
- Figure 40: Importance of components of medical plan in choosing a new
plan, by gender and age, November 2008
- Figure 41: Importance of components of medical plan in choosing a new
plan, by race/Hispanic origin and household income, November 2008
- Figure 42: Importance of components of medical plan in choosing a new
plan, by existing plan type, November 2008
- Figure 43: Importance of components of medical plan in choosing a new
plan, summary of means, by gender with age, November 2008
- The Consumer--Degree of Trust in Healthcare and Insurance Providers
- Figure 44: Degree of trust in healthcare and insurance providers,
November 2006
- Figure 45: Level of trust in various medical professionals, by gender
and age, November 2008
- Figure 46: Level of trust in various medical professionals, by gender
and age, November 2008
- Figure 47: Level of trust in various medical professionals, by
race/Hispanic origin and household income, November 2008
- Figure 48: Degree of trust in healthcare and insurance providers, by
marital status and presence of children, November 2008
- The Consumer--Who is Responsible for Increasing Healthcare Costs?
- Figure 49: Degree to which healthcare providers have contributed to the
increasing cost of healthcare, summary of means, by gender and age, November
2008
- Figure 50: Degree to which respondents believe that healthcare and
insurance providers are contributing to the increasing cost of healthcare,
November 2006
- 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
- Figure 52: Degree to which healthcare providers have contributed to the
increasing cost of healthcare, summary of means, by gender with age,
November 2008
- The Consumer--Who is Responsible for Providing Insurance?
- Figure 53: Who should have responsibility for providing health
insurance, by gender and age, November 2008
- Figure 54: Who should have responsibility for providing health
insurance, by race/Hispanic origin and household income, November 2008
- Figure 55: Who should have responsibility for providing health
insurance, by insured/uninsured, November 2008
- Figure 56: Who should have responsibility for providing health
insurance, by marital status and presence of children, November 2008
- Figure 57: Who should have responsibility for providing health
insurance, by gender with age, November 2008
- The Consumer--Expectations about Health Insurance in the Future
- Figure 58: Attitudes towards health insurance, by gender and age,
November 2008
- Figure 59: Attitudes towards health insurance, by race/Hispanic origin
and household income, November 2008
- Figure 60: Attitudes towards insurance, by marital status and presence
of children, November 2008
- Figure 61: Attitudes towards insurance, by gender with age, November 2008
- Figure 62: Attitudes towards healthcare, 2007 and 2008
- The Consumer--Historical Comparison of Marketing Channel Used
- Figure 63: Method of obtaining current medical policy, 2003-08
- Figure 64: Method of obtaining current medical policy, 2007 and 2008
- The Consumer--Satisfaction with Employer-provided vs. Individual Policies
- Figure 65: Degree of satisfaction with employer-provided policies, by
employment status, November 2008
- Figure 66: Importance of attributes when choosing a policy, employer
provided policies, by employment status, November 2008
- Figure 67: Importance of attributes when choosing a policy, for those
with individual policies, by employment status, November 2008
- Appendix: Trade Associations
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