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Health Benefits Marketplace

Health Benefits Marketplace. Perceptions of Consumers in Iowa Pete Damiano Suzanne Bentler Dan Shane Iowa Safety Net Network Leadership Group Meeting August 6, 2013. In this presentation. Consumer survey Methods Demographics Insurance coverage and factors affecting choice

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Health Benefits Marketplace

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  1. Health Benefits Marketplace Perceptions of Consumers in Iowa Pete Damiano Suzanne Bentler Dan Shane Iowa Safety Net Network Leadership Group Meeting August 6, 2013

  2. In this presentation • Consumer survey • Methods • Demographics • Insurance coverage and factors affecting choice • Knowledge and Attitudes toward the ACA • Marketplace preferences and assistance

  3. Methods-Consumers • Mixed mode (On-line and written in person) • Convenience sample: • IA Caregivers Assoc. (both) • one Iowa FQHC (written) • Iowa State Extension (written) • IA Public Health Association (online) • AARP (online) • IDPH partners and local agencies • 85 questions maximum • 43 questions with some tables of multiple subquestions • 498 responses so far • 367 On-line • 131 Written

  4. Insurance Coverage Types • Employer-based (<HBMP)-80% (n=396) • Non-employer-based (>HBMP)-20% (n=102) • Uninsured now or in last 12 months (5%; n=24) • Self insured (5%; n=25) • Public (10%; n=53) • Medicaid • IowaCare • CHAMPUS • VA • Military *Medicare was excluded

  5. Type of Assistance • Who helped choose coverage: • Myself-39% • Work/HR-37% • Friends/family-10%

  6. Age & Marital Status Age

  7. Health Status

  8. Current coverage related questions • How well meets needs • Importance of costs • Non-covered services • Delay care • Worry • Importance of having coverage • Self • Family

  9. Current coverage meets needs Public Insurance rated higher for kids than private: IA Household Health Survey

  10. Current cost: Non-covered services Public Insurance rated higher for kids than private: IA Household Health Survey

  11. Current cost: Delayed care

  12. Current cost: Worry about pay for self

  13. Current cost: Worry about pay family

  14. Importance of coverage: self/family

  15. ACA related questions • Aware • Source • Knowledge overall • Specifics • Support

  16. How much HEARD about ACA

  17. How much KNOW about ACA

  18. Support/Knowledge of ACA Support=Strongly and support; Know=strongly and know

  19. Knowledge less, support similar, : For those most likely to use Marketplace Knowledge less for all areas • Age 26 coverage (77% vs 59%) • Denial of coverage (64% vs 38%) • Individual mandate (56% vs 34%) • Medicaid expansion (49% vs 26%) • Preventive coverage (47% vs 29%) • Marketplace existence (46% vs 21%) • Large business mandate (44% vs 24%) • Business tax credits (40% vs 20%) • Marketplace tax credits (32% vs 16%) Support • Age 26 coverage less (83% vs 69%) • Marketplace credits more (65% vs 57%)

  20. How learned about ACA • Television: 54% • Employer 58% • Non employer 46% • Newspaper: 41% • Employer 47% • Non employer 23% • Family/friends: 35% • Employer 36% • Non employer 30% • Internet: 33% • Employer 36% • Non employer 28% • Public health agencies: 29% • Employer 34% • Non employer 16% Radio 27%; All others less than 20%: HI agents, Direct Mail, informational meetings at Hosp, Brochures at MD, Public forums, social media

  21. Health Benefits Marketplace • Factors affecting choice (current & future) • Comfort with online system • Amount of help with online system • Preference for how to get help • Amount of help for particular plan info • Post-purchase need for help • Confidence in possible sources of help • Plan preferences • Marketplace naming and source of information

  22. Factors affecting choice of plan* *Percentage Responding Very Important

  23. Plan factors similar for those most likely to use Marketplace Current plan choice • Monthly cost more (80% vs 70%) Marketplace plan choice • Providers less (67% vs 54%)

  24. Preference for number of plans

  25. Choice guidance preference

  26. Comfort w/online system choosing plan

  27. Need for help with online system

  28. Preference for how to get help: Marketplace

  29. How much help with plan info: Marketplace* *Percentage Responding A lot of help

  30. Confidence in sources for help* *Percentage Responding Confident or Very Confident

  31. Plan information post-purchase help

  32. Trusted sources for post-purchase help with previous services

  33. Naming Not Employer • Iowa Health Insurance Marketplace (40%) • Iowa Health Choices (18%) • Iowa Health Benefit Marketplace (9%) Employer • Iowa Health Insurance Marketplace (43%) • Iowa Health Choices (15%) • Iowa Health Insurance Exchange (14%)

  34. How would you learn about Marketplace • Employer: 57% • Employer (67%) • Non employer (45%) • Television: 51% • Employer (57%) • Non employer (50%) • Newspaper: 37% • Employer (42%) • Non employer (35%) • Internet: 36% • Employer (38%) • Non employer (45%) • Radio: 32% • Employer (36%) • Non employer (30%) Other: Friends/family, HI Agent, Direct mail, Local Hosp meetings, Brochures at MD, Public events, Social media, PH Agencies, Non profits

  35. Top 5 most trustworthy sources of Marketplace information

  36. Conclusions:For those most likely to use Marketplace • Non-employer are sicker • not as sick as IowaCare • Current coverage doesn’t meet needs as well • Cost for non-covered services more important • More likely to delay care for costs • Much more likely to worry about costs for self and family • Having coverage less important for self • As important for family • Much less knowledgeable about the Marketplace • Heard less, know less • Similarly supportive of components

  37. Conclusions:For those most likely to use Marketplace • Prefer more plans to choose from • Need more help with selecting plans • Less comfortable with online selection system • Would need more help • Prefer one-on-one type assistance • Phone, in person • Need more help post selection • Trust providers most following purchase

  38. Conclusions:General • Cost is more important than quality when choosing a plan • Even more for choosing plan in the marketplace • Learned about ACA from: • Television, Newspaper Family/friends, Internet, Public health agencies • Preferred moderate to many plans to choose from on MP • Prefer at least some guidance in online system when choosing plan • Want help with cost and services covered

  39. Conclusions:General • Most likely to learn about Marketplace from: • Employer, TV • Trusted sources for marketplace information • Work HR, Public Health Agencies • Trusted sources for marketplace purchase help • Work HR, Print, Community resources • Trusted sources for post-purchase help • Work HR, Marketplace website, Community resources, providers • Preferred Marketplace name over Exchange

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