Do Minorities Have Different
Preferences When
Shopping on Public Health
Insurance Exchanges? -video
Phil Poley:
When we looked at our survey results what we found is that among minority
populations, there was less satisfaction with the overall process of learning about
insurance, shopping and enrolling than in the general HIX enrolled population. And
primarily, that was driven by their general lack of experience with insurance as a
product owing to their higher-than-normal uninsured rate, and a desire therefore, to
see more of an education-first approach when it comes to the insurance shopping
process.
What we find when looking at the methods of enrollment for minority groups as
compared to the remainder of the HIX population, there’s a stronger preference for
in-person enrollment methods and for paper-based methods, and a lack of
preference for digital online methods. This makes sense given their general lack of
experience with health insurance, the higher rate of uninsurance in these groups
and the desire to have interpersonal interactions to learn about the product before
shopping for it.
What we think is going to be important is to approach people with education, give
them a chance to digest what you’ve told and then come back. What we’ve heard
when we looked at our survey is that minority populations felt like there were too
many options for them and that they were too complex. So taking the time to be
more thoughtful about how to explain those options and how to explain the
variations so that the insurance is demystified and that people understand what are
the choices, where are there real differences and where are there not. And most
importantly, with all that information in hand, what’s the right insurance product for
me as a person.
Copyright © 2016 Accenture
All rights reserved.
Accenture, its logo, and
High Performance Delivered
are trademarks of Accenture.