Sorry for interrupting, this website uses cookies to improve your experience. We'll assume you're ok with this, but you can opt-out if you wish. Learn more
Accept & Close

Health Insurance - US - July 2013

“The PPACA will have far-reaching consequences in the way Americans purchase health insurance. While not everybody is enthused about the new options, the best hope for controlling healthcare costs right now is to get as many people as possible to enroll. The most effective way for this to happen is for the government and the industry to work together.”

– Robyn Kaiserman, Financial Services Analyst

 Some issues addressed in this report include:

  • Will health exchanges reduce, or eliminate, the number of uninsured?
  • Why pay for insurance if the penalty costs less?
  • What groups offer the most potential once the PPACA is implemented?
  • How can insurers encourage people to take action?
  • Is there opportunity among people with employer-sponsored health insurance?

 

Rising healthcare costs have been a concern in the U.S. for decades, as businesses and individuals struggle to keep up with increasing insurance premiums. The Patient Protection and Affordable Care Act (PPACA) was designed to help alleviate this problem, and now that implementation has begun the jury is still out as to whether there will be any relief. The most far-reaching changes have not yet begun, however, and it remains to be seen how effective they will be. What is certain is that they will change the landscape, making it easier for people who choose to purchase insurance on their own, and challenging businesses to revisit the benefits that they offer. The success of the PPACA implementation lies in great measure on the ability of the government as well as the insurance companies to describe the new system to millions of people, many of whom either don’t want, or think they can’t afford health insurance.

This report will cover a number or topics related to health insurance, including:

  • What types of insurance do Americans have now and how satisfied are they with their coverage?
  • Who are the uninsured and how interested are they in buying insurance?
  • How much do Americans know about the PPACA?
  • What sources of information have consumers used and do they plan to use to learn about healthcare reform and their new options?

What you get

What's included

Why buy from us?

Succeed

Our reports will provide you with market data, consumer research and competitive intelligence to succeed in your market.

Instant Access

Buy now and you'll have instant access to the information you need to make the right decisions.

Opportunities

Find out what's next in the markets that matter to you: where opportunities lie and what challenges you will face.

Trusted

A business Superbrand, Mintel is a source you can trust. We have been defining and refining the Market Intelligence mix since 1972.

Table of contents

  1. Scope and Themes

    • 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

                        • The market
                          • The population is aging, which will increase the need for healthcare
                            • 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
                              • Figure 3: Consumer price indices overall and for related healthcare items, 2003-12
                            • Leading companies
                              • WellPoint has largest market share
                                • Figure 4: Top five health insurance companies, by direct written premiums, 2010, 2012
                              • The consumer
                                • Figure 5: Type of health insurance coverage owned, April 2013
                                • Figure 6: Awareness of provisions of healthcare reform/PPACA, by gender, April 2013
                                • Figure 7: Attitudes toward healthcare and the PPACA, April 2013
                                • Figure 8: Plans for choosing healthcare coverage April 2013
                                • Figure 9: Satisfaction with current healthcare plan, April 2013
                              • What we think
                              • Issues and Insights

                                  • 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

                                                                  • 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

                                                                              • Key points
                                                                                • Number of uninsured rose for a decade, but now is beginning to drop
                                                                                  • 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
                                                                                  • Figure 12: Number of uninsured in U.S. population, by age, 2010-11
                                                                                • Number of firms offering health insurance is trending down
                                                                                  • Figure 13: Number of firms offering employer sponsored health insurance, 1999-2012
                                                                                  • Figure 14: Percentage of covered workers at firms that offer health insurance, 1999-2012
                                                                                • Premiums written have more than doubled since 2003
                                                                                  • Figure 15: Increase in healthcare premiums, 2003-11
                                                                                • NHE is growing faster than GDP
                                                                                  • 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
                                                                                  • Figure 18: Consumer price indices, overall and for related healthcare items, 2003-12
                                                                                • Insurance is highest portion of healthcare cost – and growing
                                                                                  • Figure 19: Average annual healthcare expenditures across all ages, 2007-11
                                                                                • Expanded eligibility for Medicaid
                                                                                  • Figure 20: Medicaid enrollment with and without expansion, by state, 2022 (projected)
                                                                              • Market Drivers

                                                                                • Key points
                                                                                  • Population is aging
                                                                                    • 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
                                                                                    • Figure 23: Unemployment in U.S., May 2008- May 2013
                                                                                  • Healthcare costs are still rising, but rate of increase is slowing
                                                                                    • Figure 24: Consumer price indices overall and for related healthcare items, 2003-12
                                                                                  • The federal government is ramping up publicity
                                                                                    • Figure 25: Sources of PPACA information plan to use in the future, by gender, April 2013
                                                                                • Competitive Context

                                                                                  • Key points
                                                                                    • WellPoint has largest market share
                                                                                      • Figure 26: Top ten health insurance companies, by direct written premiums, 2010, 2012
                                                                                    • United Health Group is the largest healthcare company by membership
                                                                                      • Figure 27: Largest healthcare companies, by membership, October 2012
                                                                                    • Health exchanges’ effect on competition will vary by state
                                                                                      • Concierge medicine
                                                                                        • Medical Tourism
                                                                                          • Figure 28: Percentage of respondents who would consider going overseas for an operation, by gender and age, April 2013
                                                                                        • Penalty for noncompliance is low
                                                                                          • Figure 29: Intentions for enrolling in a health plan, all non-insured respondents by age, April 2013
                                                                                      • Innovations and Innovators

                                                                                        • Key points
                                                                                          • Compass SmartShopper™
                                                                                            • Aetna’s CarePass
                                                                                              • Wellview from UnitedHealthcare
                                                                                                • Hospitals are forming insurance companies
                                                                                                • Marketing Strategies

                                                                                                  • Key points
                                                                                                    • Direct mail volume drops in Q1 2013
                                                                                                      • Overview of the PPACA landscape
                                                                                                        • Figure 30: Awareness of provisions of healthcare reform/PPACA, overall, April 2013
                                                                                                        • Figure 31: Awareness of provisions of healthcare reform/PPACA, by gender, April 2013
                                                                                                        • Figure 32: Number of uninsured Americans, by gender, 2001-11
                                                                                                      • People plan to change how they get PPACA information
                                                                                                        • Figure 33: Sources of PPACA information used in the past vs. plan to use in the future, April 2013
                                                                                                      • Sources of PPACA information
                                                                                                        • Figure 34: Sources of PPACA information used in the past, by insurance company, April 2013
                                                                                                        • Figure 35: Sources of PPACA information plan to use in the future, by insurance company, April 2013
                                                                                                      • The federal government is ramping up publicity
                                                                                                        • 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
                                                                                                            • Figure 37: Humana video, 2013
                                                                                                          • Blue Cross
                                                                                                            • Figure 38: Blue Cross television ad, 2012
                                                                                                            • Figure 39: Blue Cross Blue Shield video, 2013
                                                                                                          • UnitedHealth Group
                                                                                                            • Online Presence
                                                                                                              • Online/Email Ads
                                                                                                                • Figure 40: UnitedHealthcare online ad, March 2013.
                                                                                                                • Figure 41: UnitedHealthcare email, March 2013
                                                                                                              • Direct mail
                                                                                                                • Figure 42: UnitedHealthcare direct mail ad, April 2013
                                                                                                                • Figure 43: UnitedHealthcare direct mail ad, May 2013
                                                                                                                • Figure 44: UnitedHealthcare direct mail ad, April 2013
                                                                                                                • Figure 45: UnitedHealthcare direct mail ad, April 2013
                                                                                                              • Print
                                                                                                                • Figure 46: UnitedHealthcare print ad, 2012
                                                                                                              • TV ads
                                                                                                                • Figure 47: UnitedHealthcare, television ad, August 2011
                                                                                                                • Figure 48: UnitedHealthcare, television ad, January 2012
                                                                                                              • Humana
                                                                                                                • Online presence
                                                                                                                  • Online/Email
                                                                                                                    • Figure 49: Humana online ad, 2012
                                                                                                                    • Figure 50: Humana email ad, 2013
                                                                                                                  • Direct mail
                                                                                                                    • Figure 51: Humana direct mail ad, 2013
                                                                                                                    • Figure 52: Humana direct mail ad, 2013
                                                                                                                  • Print
                                                                                                                    • Figure 53: Humana print ad, 2013
                                                                                                                    • Figure 54: Humana print ad, 2012
                                                                                                                    • Figure 55: Humana print ad, 2012
                                                                                                                  • TV ads
                                                                                                                    • Figure 56: Humana television ad, 2011
                                                                                                                    • Figure 57: Humana television ad, 2012
                                                                                                                  • Aetna
                                                                                                                    • Online presence
                                                                                                                      • Online/Email ads
                                                                                                                        • Figure 58: Aetna online ad, 2013
                                                                                                                        • Figure 59: Aetna online ad, 2012
                                                                                                                        • Figure 60: Aetna email ad, 2013
                                                                                                                      • Direct mail
                                                                                                                        • Figure 61: Aetna direct mail ad, 2013
                                                                                                                        • Figure 62: Aetna direct mail ad, 2013
                                                                                                                      • Video
                                                                                                                        • Figure 63: Aetna video ad, 2012
                                                                                                                    • Social Media – Health Insurance

                                                                                                                      • Key points
                                                                                                                        • Key social media metrics
                                                                                                                          • Figure 64: Key brand metrics, health insurance brands, June 2013
                                                                                                                        • Market overview
                                                                                                                          • Brand usage and awareness
                                                                                                                            • Figure 65: Usage and awareness of selected health insurance brands, April 2013
                                                                                                                          • Interaction with brands
                                                                                                                            • Figure 66: Interaction with selected health insurance brands, April 2013
                                                                                                                          • Online conversations
                                                                                                                            • Figure 67: Percentage of consumer conversation by selected health insurance brands, May 20, 2013-June 19, 2013
                                                                                                                            • Figure 68: Online mentions, selected health insurance, by day, May 20, 2013-June 19, 2013
                                                                                                                          • Where are people talking about health insurance brands?
                                                                                                                            • Figure 69: Mentions, by page type, selected health insurance brands, May 20, 2013-June 19, 2013
                                                                                                                          • What are people talking about?
                                                                                                                            • Figure 70: Mentions, by type of conversation, selected health insurance brands, May 20, 2013-June 19, 2013
                                                                                                                            • Figure 71: Major areas of discussion surrounding health insurance brands, by day, May 20, 2013-June 19, 2013
                                                                                                                            • Figure 72: Major areas of discussion surrounding health insurance brands, by page type, May 20, 2013-June 19, 2013
                                                                                                                          • Brand analysis
                                                                                                                            • HCSC
                                                                                                                              • Figure 73: HCSC key social media indicators, June 2013
                                                                                                                            • Key online campaigns
                                                                                                                              • What we think
                                                                                                                                • Aetna
                                                                                                                                  • Figure 74: Aetna key social media indicators, June 2013
                                                                                                                                • Key online campaigns
                                                                                                                                  • Figure 75: Selected Aetna Twitter mentions, July 2011
                                                                                                                                • What we think
                                                                                                                                  • Kaiser Permanente
                                                                                                                                    • Figure 76: Kaiser Permanente key social indicators, June 2013
                                                                                                                                  • Key online campaigns
                                                                                                                                    • What we think
                                                                                                                                      • UnitedHealthcare
                                                                                                                                        • Figure 77: UnitedHealthcare key social media indicators, June 2012
                                                                                                                                      • Key online campaigns
                                                                                                                                        • What we think
                                                                                                                                          • Humana
                                                                                                                                            • Figure 78: Humana key social media indicators, June 2013
                                                                                                                                          • Key online campaigns
                                                                                                                                            • What we think
                                                                                                                                              • WellPoint
                                                                                                                                                • Figure 79: WellPoint key social media indicators, June 2013
                                                                                                                                              • Key online campaigns
                                                                                                                                                • What we think
                                                                                                                                                • Consumer’s Current Health Insurance Coverage

                                                                                                                                                  • Key points
                                                                                                                                                      • Figure 80: Type of health insurance coverage owned, by gender, April 2013
                                                                                                                                                      • Figure 81: Type of health insurance coverage owned, by age, April 2013
                                                                                                                                                      • Figure 82: Type of health insurance coverage owned, by gender and age, April 2013
                                                                                                                                                      • Figure 83: Type of health insurance coverage owned, by household income, April 2013
                                                                                                                                                      • Figure 84: Type of health insurance coverage owned, by brand/insurance carrier, April 2013
                                                                                                                                                  • Knowledge about Healthcare Reform

                                                                                                                                                    • Key points
                                                                                                                                                        • 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
                                                                                                                                                        • Figure 87: Awareness of provisions of healthcare reform/PPACA, by gender and age, April 2013
                                                                                                                                                        • Figure 88: Awareness of provisions of healthcare reform/PPACA, by household income, April 2013
                                                                                                                                                        • Figure 89: Awareness of provisions of healthcare reform/PPACA, by race, April 2013
                                                                                                                                                        • Figure 90: Awareness of provisions of healthcare reform/PPACA, by brand usage, April 2013
                                                                                                                                                    • Sources of Healthcare Reform Information

                                                                                                                                                      • Key points
                                                                                                                                                          • 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
                                                                                                                                                          • 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
                                                                                                                                                          • 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
                                                                                                                                                          • Figure 97: Sources used for information on PPACA in the past, by information source used, April 2013
                                                                                                                                                      • Future Sources of Information about PPACA

                                                                                                                                                        • Key points
                                                                                                                                                          • Figure 98: Sources of PPACA information plan to use in the future, by gender, April 2013
                                                                                                                                                          • Figure 99: Sources of PPACA information plan to use in the future, by age, April 2013
                                                                                                                                                      • Attitudes about Own Health Insurance and PPACA

                                                                                                                                                        • Key points
                                                                                                                                                            • Figure 100: Attitudes toward healthcare and the PPACA, by gender, April 2013
                                                                                                                                                            • Figure 101: Attitudes toward healthcare and the PPACA, by age, April 2013
                                                                                                                                                            • Figure 102: Attitudes toward healthcare and the PPACA, by household income, April 2013
                                                                                                                                                            • Figure 103: Attitudes toward healthcare and the PPACA, by race, April 2013
                                                                                                                                                            • Figure 104: Attitudes toward healthcare and the PPACA, by knowledge of PPACA, April 2013
                                                                                                                                                        • Plans for Choosing Healthcare Coverage

                                                                                                                                                          • Key points
                                                                                                                                                            • Switching behavior/Plans to switch
                                                                                                                                                              • 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
                                                                                                                                                              • 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
                                                                                                                                                              • 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

                                                                                                                                                            • Key points
                                                                                                                                                              • Plan for choosing healthcare coverage
                                                                                                                                                                • 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
                                                                                                                                                                • 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

                                                                                                                                                              • Key points
                                                                                                                                                                • Figure 115: Satisfaction with current healthcare plan, by gender, April 2013
                                                                                                                                                                • Figure 116: Satisfaction with current healthcare plan, by age, April 2013
                                                                                                                                                                • Figure 117: Satisfaction with current healthcare plan, by gender and age, April 2013
                                                                                                                                                                • Figure 118: Satisfaction with current healthcare plan, by brand usage, April 2013
                                                                                                                                                                • Figure 119: Satisfaction with current healthcare plan, by knowledge of PPACA, April 2013
                                                                                                                                                            • Cluster Analysis

                                                                                                                                                              • Cluster methodology
                                                                                                                                                                • Confident Optimists
                                                                                                                                                                  • Demographics
                                                                                                                                                                    • Characteristics
                                                                                                                                                                      • Opportunity
                                                                                                                                                                        • Uninformed Doubters
                                                                                                                                                                          • Demographics
                                                                                                                                                                            • Characteristics
                                                                                                                                                                              • Opportunity
                                                                                                                                                                                • Educated Skeptics
                                                                                                                                                                                  • Demographics
                                                                                                                                                                                    • Characteristics
                                                                                                                                                                                      • Opportunity
                                                                                                                                                                                        • Cluster characteristic tables
                                                                                                                                                                                          • Figure 120: Target clusters, April 2013
                                                                                                                                                                                          • Figure 121: Type of health insurance coverage owned, by target clusters, April 2013
                                                                                                                                                                                          • Figure 122: Awareness of provisions of healthcare reform/PPACA, by target clusters, April 2013
                                                                                                                                                                                          • Figure 123: Sources of PPACA information used in the past, by target clusters, April 2013
                                                                                                                                                                                          • Figure 124: Sources of PPACA Information source plan to use in future, by target clusters, April 2013
                                                                                                                                                                                          • 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
                                                                                                                                                                                          • Figure 127: Target clusters, by demographic, April 2013
                                                                                                                                                                                        • Cluster methodology
                                                                                                                                                                                        • Appendix – Social Media – Health Insurance

                                                                                                                                                                                            • Figure 128: Brand usage or awareness, April 2013
                                                                                                                                                                                            • Figure 129: UnitedHealthcare usage or awareness, by demographics, April 2013
                                                                                                                                                                                            • Figure 130: Aetna usage or awareness, by demographics, April 2013
                                                                                                                                                                                            • Figure 131: Kaiser Permanente usage and awareness, by demographics, April 2013
                                                                                                                                                                                            • Figure 132: WellPoint usage or awareness, by demographics, April 2013
                                                                                                                                                                                            • Figure 133: Humana usage or awareness, by demographics, April 2013
                                                                                                                                                                                            • Figure 134: HCSC (ie BlueCross and BlueShield) usage or awareness, by demographics, April 2013
                                                                                                                                                                                          • Interaction with brands
                                                                                                                                                                                            • Figure 135: Activities done, April 2013
                                                                                                                                                                                            • Figure 136: Any brand – Activities done, by demographics, April 2013
                                                                                                                                                                                            • Figure 137: Any brand – Activities done, by demographics, April 2013
                                                                                                                                                                                            • Figure 138: UnitedHealthcare – Activities done, by demographics, April 2013
                                                                                                                                                                                            • Figure 139: Aetna – Activities done, by demographics, April 2013
                                                                                                                                                                                            • Figure 140: HCSC – Activities done, by demographics, April 2013
                                                                                                                                                                                            • 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
                                                                                                                                                                                            • 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
                                                                                                                                                                                            • 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
                                                                                                                                                                                        • Appendix – Trade Associations

                                                                                                                                                                                          Companies Covered

                                                                                                                                                                                          • Aetna Inc.
                                                                                                                                                                                          • Blue Cross and Blue Shield Association
                                                                                                                                                                                          • Centers for Medicare & Medicaid Services
                                                                                                                                                                                          • Humana Inc
                                                                                                                                                                                          • Kaiser Permanente
                                                                                                                                                                                          • WellPoint, Inc.

                                                                                                                                                                                          Health Insurance - US - July 2013

                                                                                                                                                                                          £3,174.67 (Excl.Tax)