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Who Buys Source

Profiling adults 18+ who obtained medical/health insurance through an agent representing one company or a broker representing more than one company, and those individuals whose health insurance is provided by an employer, union or other organization:

GfK MRI, 2011

An estimated 49.904 million people in the U.S., or 16.3% of the population, were without health insurance coverage in 2010, up from 48.985 million people (16.1% of the population) in 2009.
 

U.S. Census Bureau, 2011

As a percentage of each group, people who did not have health insurance in 2010, by age: Under 18 years, 9.8%; 18-24 years, 27.2%; 25-34 years, 28.4%; 35-44 years, 21.8%; 45-64 years, 16.3%; 65+ years, 2.0%.

U.S. Census Bureau, 2011

By race, Americans who did not have health insurance in 2010 (percentage of each group): White (non-Hispanic), 11.7%; Black, 20.8%; Hispanic origin (may be of any race), 30.7%; Asian, 18.1%.

U.S. Census Bureau, 2011

By percentage of each region, Americans who did not have health insurance in 2010: Northeast, 12.4%; Midwest, 13.0%; South, 19.1%; West, 17.9%.

U.S. Census Bureau, 2011

People without health insurance in 2010, according to household income (percentage of each group): Less than $25,000, 26.9%; $25,000-$49,999, 21.8%; $50,000-$74,999, 15.4%; $75,000 or more, 8.0%.

U.S. Census Bureau, 2011

Workers age 18-64 who were not covered by health insurance in 2010, by employment status: Worked full-time during the year, 15.0%; worked part-time 28.5%; did not work at least one week, 28.5%.

U.S. Census Bureau, 2011

Of those adults 18+ who obtained their health/medical insurance through an agent representing one company or a broker representing more than one company, 52.8% were women and 47.2% were men.

GfK MRI, 2011

Adults 18+ who obtained a health/medical insurance policy through an agent representing one company or a broker representing more than one organization, by age group: 18-24, 5.1%; 25-34, 9.8%; 35-44, 11.6%; 45-54, 14.7%; 55-64, 17.0%; 65+, 41.8%.

GfK MRI, 2011

Adults 18+ who obtained their health/medical insurance from an agent representing one company or a broker representing more than one company, by income bracket: $100,000+, 26.0%; $75-99,999, 13.0%; $60-74,999, 10.7%; $50-59,999, 8.6%; $40-49,999, 11.1%; $30-39,999, 10.0%; $20-29,999, 10.7%; under $20,000, 9.9%.

GfK MRI, 2011

Adults 18+ who obtained their medical/health insurance from an agent representing one company or a broker representing several companies, by race: White, 89.2%; Black, 4.6%; Other, 6.2%; Hispanic origin, 7.6%.

GfK MRI, 2011

Adults 18+ who obtained health/medical insurance from an agent representing one company or a broker representing more than one company, by region: Northeast, 13.3%; Midwest, 26.3%; South, 37.0%; West, 23.4%.

GfK MRI, 2011

Adults 18+ who obtained medical insurance through an agent representing one company or a broker representing several companies, by marital status: Single, 13.2%; married, 62.9%; separated/widowed/divorced, 23.9%.

GfK MRI, 2011

Of those adults 18+ whose health insurance is provided by an employer/union or other organization, 51.7% are women and 48.3% are men.

GfK MRI, 2011

Adults 18+ whose health insurance is provided by an employer, union or other organization, by age range: 18-24, 7.7%; 25-34, 18.3%; 35-44, 21.1%; 45-54, 23.5%; 55-64, 18.0%; 65+, 11.4%.

GfK MRI, 2011

Adults 18+ whose health insurance is provided by an employer, union or other organization, by income level: $100,000+, 36.3%; $75-99,999, 18.5%; $60-74,999, 12.8%; $50-59,999, 8.8%; $40-49,999, 7.9%; $30-39,999, 6.9%; $20-29,999, 5.7%; under $20,000, 3.1%.

GfK MRI, 2011

Adults 18+ whose health insurance is provided by an employer, union or other organization, by race: White, 81.8%; Black, 8.0%; Other, 10.2%; Hispanic origin, 9.6%.

GfK MRI, 2011

Adults 18+ whose health insurance is provided by an employer, union or other organization, by region: Northeast, 19.6%; Midwest, 23.8%; South, 35.4%; West, 21.2%.

GfK MRI, 2011

Adults 18+ whose health insurance is provided by an employer, union or other organization, by marital status: Single, 19.7%; married, 65.2%; separated/widowed/divorced, 15.1%.

GfK MRI, 2011


Why They Buy Source

According to a 2012 survey of healthcare insurance customers (including those with company-provided insurance and individual purchasers), the leading contributors to overall satisfaction with their plans: 1. Coverage and benefits; 2. Provider choice; 3. Information and communication; 4. Claims processing; 5. Statements; 6. Customer service; 7. Approval process.

J.D. Power and Associates, 2012

According to a 2012 survey of insurance agents who focus on the individual/small group market, 54% of the respondents said their clients' priorities in what they're looking for in a health plan had changed either "a little (21%)" or "a lot (33%)" in the last two years. How they have changed: More emphasis on low premiums, 42%; moving toward higher deductible/out of pocket costs, 42%; more interest in coverage of specific benefits, 13%; more emphasis on low deductible/co-insurance, 8%; less emphasis on quality of benefits, 8%; more interest in plans eligible for health saving account, 7%; cost to them is driving factor/looking for cheaper options, 5%.

Kaiser Family Foundation, 2012

How They Buy Source

According to a study by the Kaiser Family Foundation, from 1999 to 2011, family premiums for employer-sponsored health insurance increased 160%.

Kaiser Family Foundation, 2012

According to Hewitt Associates, the average healthcare cost per person for major companies was expected to increase from $9,792 in 2011 to $10,475 in 2012. The amount employees would be asked to contribute in 2012 was estimated at $2,306, up from $2,084 in 2011. Average employee out-of-pocket costs, such as co-payments, coinsurance and deductibles, were also predicted to rise from $2,007 in 2011 to $2,275 in 2012.

Aon Hewitt, 2011

What They Buy Source

Based on research by the Kaiser Family Foundation, PPOs (Preferred Provider Organization) are the most common type of employer-sponsored health plan, enrolling 55% of covered workers in 2011. Seventeen percent of covered workers are enrolled in an HMO (Health Maintenance Organization), 10% are part of a POS plan (Point of Service), and 1% are enrolled in a conventional plan. Enrollment in HDHP/SOs (High Deductible Health Plan with Savings Options) continues to rise, with 17% in these plans in 2011, up from 13% in 2010 and 8% in 2009.

Kaiser Family Foundation, 2012

According to a 2012 survey of health insurance agents who focus on the individual/small group market, the percent of respondents who say they have seen an increase in the past two years in the number of policies with limits or caps on what they will pay for: Prescription drugs, 49%; mental health services, 33%; inpatient hospital services, 31%; outpatient or ambulatory care, 31%; physician services, 29%.

Kaiser Family Foundation, 2012

Based on a 2012 survey of health insurance agents who specialize in the individual/small group market, percent of the respondents who say they have seen an increase in the past two years in the number of policies that exclude coverage for: Prescription drugs, 35%; mental health services, 23%; physician services, 17%; outpatient or ambulatory care, 16%; inpatient hospital services, 13%.

Kaiser Family Foundation, 2012

Of the 83.7% of Americans with health insurance in 2010, types of coverage utilized (more than one answer possible): Private insurance, 64.0%; employment-based, 55.3%; direct purchase, 9.8%; government health plan (including Medicare, Medicaid and military health care), 31.0%.

U.S. Census Bureau, 2011

Where They Buy Source

Based on a 2012 Kaiser Family Foundation survey of health insurance agents who work with individual/small group clients, compared with two years ago, only 3% said there were more carriers currently selling health insurance in their area, while 51% indicated there were about the same number, and 45% said there were fewer competitors.

Kaiser Family Foundation, 2012

Top U.S. writers of individual accident & health insurance in 2010, according to value of net premiums written: 1. Aflac Incorporated Group; 2. UnitedHealth Group; 3. Humana Group; 4. Metropolitan Life; 5. Universal American Corp. Group; 6. Aetna Group; 7. Mutual of Omaha; 8. Cigna Group; 9. Unum Insurance Group; 10. CNO Financial Group.

Best's Review, 2011

Top U.S. writers of group accident & health insurance in 2010, based on value of net premiums written: 1. UnitedHealth Group; 2. Aetna Group; 3. Cigna Group; 4. Humana Group; 5. Metropolitan Life; 6. Hartford Life Group; 7. Guardian Life Group; 8. Unum Insurance Group; 9. Assurant Inc. Group; 10. Principal Life Group.

Best's Review, 2011

States with the highest percentage of people without health insurance coverage in 2010: Texas, 24.6%; New Mexico, 21.6%; Nevada, 21.3%; Mississippi, 21.1%; Florida, 20.8%; South Carolina, 20.6%; Louisiana, 20.0%; California, 19.4%; Georgia, 19.4%; Idaho, 19.2%; Arizona, 19.1%; Arkansas, 18.7%; Montana, 18.1%; Alaska, 18.0%; Wyoming, 17.3%. 
 

U.S. Census Bureau, 2011

States with the lowest percentage of people without health insurance coverage in 2010: Massachusetts, 5.6%; Hawaii, 7.7%; Wisconsin, 9.4%; Maine, 9.4%; Vermont, 9.5%; Minnesota, 9.8%; New Hampshire, 10.3%; Connecticut, 11.0%; Pennsylvania, 11.0%; Delaware, 11.3%; Iowa, 12.3%; Kansas, 12.7%; Colorado, 13.0%; Michigan, 13.0%; South Dakota, 13.0%.

U.S. Census Bureau, 2011

Based on research by Hewitt Associates, major metro areas experiencing larger-than-average increases in corporate healthcare costs during 2011 were Orlando, New York City, Orange County, Houston, Boston and Los Angeles. Conversely, Detroit, Atlanta, Minneapolis/St. Paul and San Francisco/Oakland/San Jose experienced lower-than-average rate increases in 2011.

Aon Hewitt, 2011

Business Trends Source

A mid-2012 study by Deloitte revealed that around 1 in 10 U.S. employers plan to drop health coverage for workers in the next few years as the bulk of the federal health-care law begins.

The Wall Street Journal, 2012

Based on research by the Kaiser Family Foundation, 60% of firms offered employee health benefits in 2011, including 59% of small firms (3-199 employees) and 99% of large companies (200 or more employees).

Kaiser Family Foundation, 2012

According to a 2012 survey by the PwC Health Research Institute, 57% of employers were considering increasing employee constributions to their health insurance plans.

USA Today, 2012

According to a 2012 Kaiser Family Foundation survey of health insurance agents who deal with individual/small group clients, 77% of individual customers underestimate the cost of health insurance, as do 67% of small-group clients.

Kaiser Family Foundation, 2012

For those Americans covered by employer-sponsored health insurance, the average premium for family coverage in 2011 was $15,073, with employees on average paying $4,129 out of their paychecks to cover their share of the cost. The average premium for single health coverage through an employer was $5,429 in 2011, with covered workers paying an average of $921 out of their paychecks.

Kaiser Family Foundation, 2012

After a 7.5% increase in 2011, health-care costs for U.S. employers were projected to rise 7.0% in 2012. Predicted increases in 2012, by segment: HMO, 7.8%; point-of-service plans, 6.6%; PPO, 6.6%.

Aon Hewitt, 2011

Projected average corporate healthcare costs per employee in 2012, by segment: HMO, $11,151 (up from $10,344 in 2011); point-of-service plans, $11,059 (up from $10,375); preferred provider organization, $10,038 (up from $9,417).

Aon Hewitt, 2011

Misc Source

According to a 2012 study by the Aflac WorkForce Report, 56% of American workers estimate they waste up to $750 each year because of costly mistakes they have made with their health insurance benefits.

USA Today, 2012