2024年美國健康保險品牌排名公眾觀點及考量因素（英文版）-YouGov

USA

UShealth

insurance

rankings2024

AdeepdiveintoAmericans'opinionsonhealthinsurance

andwhattheyconsiderwhenselectingtheirinsuranceplans.

/business

2UShealthinsurancerankings2024ContentsYOUGOV

Contents

01Keytakeaways

02Americans'opinionsonhealthinsurance

03HowareAmericansgettingcoverage?

04Healthinsurancebrandrankings

05Methodology

3

UShealthinsurancerankings2024

Keytakeaways

Confusingcoverage:

Themajorityof

Americans(52%)saytheydon’tfully

understandtheirhealthinsurancecoverage.

Incomeeffect:

Higherincome

individualsaremore

likelytohaveemployer-sponsoredhealth

insurance(72%),whilelowerincomeindividualsaremorelikelyto

becoveredbyMedicare.

Thepriceyoupay:

ForAmericanswhouseindividualhealth

insuranceorAffordable

CareActplans,price

andpremiumsarethemostcommonfactors

takenintoconsiderationwhenselectingaplan.

Considerationking:

BlueCrossBlue

Shieldisthemost

consideredhealth

insurancebrandwith23.9%ofAmericans

whoownprivateinsuranceplansconsideringit.

Satisfactionleader:

eHealthhasthehighestlevelofSatisfaction

amongcustomers,withanetscoreof70.8.

Talktoaresearcher

Exploremoredata

4UShealthinsurancerankings2024YOUGOV

HowAmericansfeelabouthealthinsurance

5UShealthinsurancerankings2024

ThemajorityofAmericansdon’tfullyunderstandtheirhealthinsurancecoverage

Coverageconfusionbycurrentinsurer

52%

Agree:"Ihaveahardtimeunderstandingwhatmy

healthinsurancecovers"

"Ihaveahardtimeunderstandingwhatmyhealthinsurancecovers"

AARPMedicarePlansfromUnitedHealthcare

Aetna AnthemBlueCrossBlueCrossBlueShieldCigna

Humana

KaiserPermanenteUnitedHealthcare

"Ihaveahardtimeunderstandingwhatmyhealthinsurancecovers"

Age

18to2961%

30to44

56%

45to64

49%

65+

39%

6%

9%

18%9%

14%6%

3%

14%

46%46%46%

53%48%

52%48%48%

36%37%39%

49%

44%

42%

48%

38%

AgreeNeitheragreenordisagreeDisagree

Talktoaresearcher

Exploremoredata

YouGovProfiles:November2024.Eachgeneration:n>2,400.CurrentcustomersofAARPMedicarePlansfromUnitedHealthcare(n>325),Aetna(n>400),AnthemBlueCross(n>275),BlueCrossBlueShield(n>925),Cigna(n>250),Humana(n>375),KaiserPermanente(n>150),UnitedHealthcare(n>625).

6UShealthinsurancerankings2024

MostAmericanstendtobelievethathealthinsuranceisimportantandshouldbeprovidedbythegovernment

61%

Agree:"Beinginsuredforeverythingisimportant”

70%

Agree:"Thefederalgovernmentshouldmakesureeveryonehashealthinsurance"

"Thefederalgovernmentshouldmakesure

everyonehashealthinsurance"

Age

Age"Beinginsuredforeverythingisimportant"

18to2964%

30to44

63%

45to64

59%

65+

57%

18to2977%

30to44

73%

45to64

67%

65+

60%

YouGovProfiles:November2024.Age18-29(n>2,400),Age30-44(n>6,000),Age45-64(n>9,400),Age65+(n>9,900).

7UShealthinsurancerankings2024

Youngeradultsmorelikelytohaveaskepticalviewofinsurance

16%

Agree:"Insuranceisforunluckypeople"

43%

Agree:"IfIcouldgetawaywithit,I'dhavenoinsuranceatall"

"IfIcouldgetawaywithit,I'dhavenoinsuranceatall"

Age

Age"Insuranceisforunluckypeople"

18to2927%

30to44

23%

45to64

8%

65+

5%

18to2945%

30to44

46%

45to64

40%

65+

36%

YouGovProfiles:November2024.Age18-29(n>2,400),Age30-44(n>6,000),Age45-64(n>9,400),Age65+(n>9,900).

Talktoaresearcher

Exploremoredata

8UShealthinsurancerankings2024YOUGOV

HowareAmericans

gettingtheir

insurance,andwhy?

9UShealthinsurancerankings2024

Selectinghealthinsurance

provider

Americansaremostlikelytohavetheirinsurancethroughtheiremployer.

YouGovFinancialServicesCategoryView,March–October2024:Healthinsuranceplansowned.Genpop:n>22,000.

Multipleselectionsofinsuranceplansallowed.

YOUGOV

IndividualHealthInsurance

AffordableCareAct(ACA)MarketplacePlans(Obamacare)

TriCare

Whichofthefollowinghealthinsurance

plansdoyoucurrentlyhave?

Children'sHealthInsuranceProgram(CHIP)

Short-TermHealthInsurance

Employer-SponsoredHealthInsurance

Medicare

Medicaid

43%

40%

11%

18%

2%

3%

8%

1%

Talktoaresearcher

Exploremoredata

10UShealthinsurancerankings2024

Highincomeindividualsarelikelytohaveemployer-sponsoredhealthinsurance

Top5insuranceplansowned:Income

Rank

LowerIncome:<75%Median

MiddleIncome:75%to200%Median

HigherIncome:>200%Median

1

Medicare

Employer-SponsoredHealthInsurance

57%

Employer-SponsoredHealthInsurance

51%

72%

2

Medicaid

Medicare

Medicare

34%

35%

24%

3

Employer-SponsoredHealthInsurance

IndividualHealthInsurance

IndividualHealthInsurance

18%

11%

11%

4

ACA

Medicaid

9%

ACA

6%

10%

5

IndividualHealthInsurance

ACA

7%

Medicaid

4%

10%

YouGovFinancialServicesCategoryView,March–October2024:Healthinsuranceplansowned.Lowincome:n>7,300.Middleincome:n>10,500.Highincome:n>2,500.

11UShealthinsurancerankings2024

AmericanswithACAcoveragemorepricesensitivethanthosewithindividualhealthinsurance

Whatisimportanttoyouwhenchoosinganinsuranceprovider?

PriceandpremiumsPrescriptiondrugcoverageDeductibles

NetworkofhealthcareprovidersCopaymentsandcoinsurance Out-of-PocketmaximumCoverageoptions

CoveragelimitsandexclusionsPreventivecareandwellnessprograms CoverageforspecialservicesTelehealthservices

76%

72%

61%

63%

53%

63%

57%

59%

47%

58%

46%

55%

56%

52%

46%

45%43%

42%

35%38%

21%

22%

IndividualHealthInsuranceACA

Talktoaresearcher

Exploremoredata

YouGovFinancialServicesCategoryView,March–October2024:Importantfeaturesinhealthinsurance.Adults18+withindividualhealthcareplans:n>2,700.18+ACAplanholders:n>1,500.

12UShealthinsurancerankings2024

Americanswithindividualhealthinsurancearemore

likelytopayforadd-onsthanthosewithACAcoverage

Add-ons/Ridersinhealthinsurance

52%

Prescriptiondrugcoverage Dentalcoverage VisioncoverageWellnessprograms

MentalhealthcoverageAccidentcoverage

HospitalindemnitycoverageCriticalillnesscoverage MaternitycoverageChiropracticcare

44%

42%

35%

38%

30%

34%

26%

30%29%

30%

18%

23%

15%

23%

14%

12%10%

12%13%

IndividualHealthInsuranceACA

YouGovFinancialServicesCategoryView,March–October2024:Add-ons/Ridersinhealthinsurance.Adults18+withindividualhealthcareplans:n>2,700.18+ACAplanholders:n>1,500.

13UShealthinsurancerankings2024

Howdoclaimtypesdifferbyagegroup?

Insuranceclaimsmadeinthelast12months

86%

81%

75%

68%

56%

50%

43%

39%

36%

31%

23%

19%

6%

29%24%

25%20%

23%21%

45%

44%

45%

42%

25%

26%

24%

37%

33%

66%

50%

51%

57%

55%

52%

18%

PrescriptionmedicationDiagnostictestsand

imaging

EmergencycareservicesMentalhealthservices

PreventivecareSpecialistvisitsIllnesscarewithprimary

careprovider

18-29yearolds30-44yearolds45-64yearolds65andolderAll

Talktoaresearcher

Exploremoredata

YouGovFinancialServicesCategoryView,March–October2024:Healthinsuranceclaimsmadeinthelast12months.18-29yearolds:n>1,300.30-44yearolds:n>3,400.45-64yearoldsn>6,900.65+:n>10,200.

14UShealthinsurancerankings2024

Higherincomegroupsaremorelikelytomakeclaimsforpreventativecare

Insuranceclaimsmadeinthelast12months

65%65%66%

55%

47%46%

39%

33%

22%

18%18%

14%

44%44%

38%

38%

35%

34%

35%

18%

16%

PrescriptionmedicationDiagnostictestsand

imaging

EmergencycareservicesMentalhealthservices

PreventivecareSpecialistvisitsIllnesscarewithprimary

careprovider

uLowerincome:lessthan75%ofthemedianuMiddleincome:between75%and200%ofthemedianuHigherincome:higherthan200%ofthemedian

YouGovFinancialServicesCategoryView,March–October2024:Healthinsuranceclaimsmadeinthelast12months.Lowerincome:n>9,200.Middleincome:n>11,900.Higherincome:n>2,700.

15UShealthinsurancerankings2024

Introducing:

YouGovFinancial

ServicesCategoryView

Exploredetailedinsightsfromthefinancialservicessectorwithournewtool.

?Consumer:Navigatethedynamic

landscapeofconsumerfinancetrends,fromdatasharingtotechnology

preferences.

?Credit:Uncovervaluableinsightsinto

creditcardpreferenceanduptakeof

deferredpaymentservices,suchasBuyNowPayLater(BNPL).

?Insurance:Diveintothefeaturesthat

mattermosttoconsumersacrossdifferentinsurancetypesandunderstandthe

triggersforswitchinginsuranceproviders.

?Investment:Identifyandunderstandthebarrierspreventingpotentialinvestors

fromenteringthemarket.

Getstarted

16UShealthinsurancerankings2024YOUGOV

Healthinsurancebuzzand

impressionleaders

EvaluatinginsurancebrandbuzzandimpressionamongallAmericans

17UShealthinsurancerankings2024

Buzziestinsurancebrands:top10

Rank

Healthinsurancebrand

Netbuzzscore(genpop)

1

BlueCrossBlueShield

9.9

2

UnitedHealthcare

9.9

3

Humana

7.8

4

AARPMedicarePlansfromUnitedHealthcare

7.0

5

Aetna

5.7

6

Cigna

4.0

7

AnthemBlueCross

3.4

8

eHealth

2.8

9

BlueShieldofCalifornia

2.2

10KaiserPermanente1.6

YouGovBrandIndexUSA:November1,2023–October31,2024(Genpop:n>26,150).

Explorebrandtracking

Q:Overthepasttwoweeks,whichofthefollowinginsurancecarriershaveyouheardsomethingPOSITIVE/NEGATIVEabout(whetherinthenews,throughadvertising,ortalkingtofriendsandfamily)?

18UShealthinsurancerankings2024

Mostimproved:netbuzzscore

YOUGOV

2024

netbuzz(genpop)

2023

netbuzz(genpop)

Changein

netbuzz

(genpop)

Rank

Health

insurancebrand

1Aetna5.73.4+2.3

2

UnitedHealthcare

9.9

7.7

+2.2

3

Cigna

4.0

1.9

+2.1

4

Humana

7.8

6.3

+1.5

5

BlueCrossBlueShield

9.9

8.5

+1.4

YouGovBrandIndexUS:November1,2023–October31,2024vsNovember1,2022–October31,2023(Genpop:n>26,150).

Q:Overthepasttwoweeks,whichofthefollowinginsurancecarriershaveyouheardsomethingPOSITIVE/NEGATIVEabout(whetherinthenews,throughadvertising,ortalkingtofriendsandfamily)?

19UShealthinsurancerankings2024

Highestnetimpressionscores:top10

Rank

Healthinsurancebrand

Netimpressionscore(genpop)

1

BlueCrossBlueShield

24.8

2

UnitedHealthcare

16.0

3

Aetna

10.9

4

Humana

10.1

5

AARPMedicarePlansfromUnitedHealthcare

9.3

6

AnthemBlueCross

7.7

7

Cigna

6.9

8

BlueShieldofCalifornia

3.3

9

eHealth

3.2

10KaiserPermanente2.4

YouGovBrandIndexUS:November1,2023–October31,2024(Genpop:n>26,150).

Q:Overall,ofwhichofthefollowinginsurancecarriersdoyouhaveaPOSITIVE/NEGATIVEimpression?

Explorebrandtracking

20UShealthinsurancerankings2024

Mostimproved:netimpressionscore

YOUGOV

2024netimpression (genpop)

2023netimpression (genpop)

Changein

netimpression

(genpop)

Rank

Health

insurancebrand

1Aetna5.73.4+2.3

2

UnitedHealthcare

9.9

7.7

+2.2

3

Cigna

4.0

1.9

+2.1

4

Humana

7.8

6.3

+1.5

5

BlueCrossBlueShield

9.9

8.5

+1.4

YouGovBrandIndexUS:November1,2023–October31,2024vs.November1,2022–October31,2024.(Genpop:n>26,150).

Q:Overall,ofwhichofthefollowinginsurancecarriersdoyouhaveaPOSITIVE/NEGATIVEimpression?

21UShealthinsurancerankings2024YOUGOV

Healthinsuranceconsiderationandintentleaders

EvaluatingconsiderationandintentamongAmericanswithprivate

insurancecoverage

22UShealthinsurancerankings2024

Mostconsideredinsurer:top10

RankHealthinsurancebrand%ofprivateplanownersconsidering

1

BlueCrossBlueShield

23.9%

2

UnitedHealthcare

19.3%

3

Humana

17.0%

4

Cigna

14.3%

5

Aetna

14.2%

6

AnthemBlueCross

10.5%

7

AARPMedicarePlansfromUnitedHealthcare

9.1%

8

KaiserPermanente

5.9%

9

BlueShieldofCalifornia

4.5%

10eHealth1.2%

YouGovBrandIndexUS:November1,2023–October31,2024(Privateplanowners:n>700).

Q:Whenyouareinthemarketnexttoacquireanewinsurancepolicy,fromwhichofthefollowingwouldyouconsideracquiringanewpolicy?

Explorebrandtracking

23UShealthinsurancerankings2024

Highestpurchaseintent:top10

Rank

Healthinsurancebrand

Purchaseintent(%ofprivateplanowners)

1

BlueCrossBlueShield

10.2%

2

UnitedHealthcare

5.4%

3

Humana

5.1%

4

Aetna

4.1%

5

AnthemBlueCross

3.3%

6

AARPMedicarePlansfromUnitedHealthcare

2.9%

7

Cigna

2.8%

8

KaiserPermanente

1.5%

9

BlueShieldofCalifornia

0.8%

10eHealth0.1%

YouGovBrandIndexUS:November1,2023–October31,2024(Privateplanowners:n>700).

Q:Fromwhichof[thebrandsyouselectedforyourconsiderationset]wouldyoubemostlikelytoacquireanewpolicy?

Explorebrandtracking

24UShealthinsurancerankings2024YOUGOV

Healthinsurance

customer

satisfactionleaders

Evaluatingcustomersatisfaction

amongcurrentandformercustomersofeachbrand

25UShealthinsurancerankings2024

Mostsatisfiedcustomers:top10

Rank

Healthinsurancebrand

Netcustomersatisfactionscore

1

eHealth

70.8

2

AARPMedicarePlansfromUnitedHealthcare

61.7

3

Humana

43.9

4

KaiserPermanente

39.5

5

UnitedHealthcare

39.1

6

BlueCrossBlueShield

38.8

7

BlueShieldofCalifornia

37.3

8

Aetna

34.8

9

AnthemBlueCross

32.8

10Cigna31.4

YouGovBrandIndexUS:November1,2023–October31,2024(Currentandformercustomers:n>500).

Q:Ofwhichofthefollowinginsurancecarrierswouldyousaythatyouarea“SATISFIED/DISSATISFIEDCUSTOMER”?

Explorebrandtracking

26UShealthinsurancerankings2024

Mostimproved:netsatisfaction

score

YOUGOV

2

Cigna

31.4

21.7

+9.7

3

KaiserPermanente

39.5

30.5

+9.0

4

Aetna

34.8

31.2

+3.6

5

UnitedHealthcare

39.1

35.9

+3.2

1BlueShieldofCalifornia37.325.2+12.1

2024

Customer

satisfaction

netscore

2023

Customer

satisfaction

netscore

Changein

customer

satisfaction

netscore

RankHealthinsurancebrand

YouGovBrandIndexUS:November1,2023–October31,2024vs.November1,2022–October31,2023.

(Currentandformercustomers:n>500).

Q:Ofwhichofthefollowinginsurancecarrierswouldyousaythatyouarea“SATISFIED/DISSATISFIEDCUSTOMER”?

27

UShealthinsurancerankings2024

Buildacomplete

pictureofyourbrand

GainadeepunderstandingofyourbrandhealthandperformanceagainsttopcompetitorsinyourindustrywithYouGov'sbrandandcampaigntrackingsolutions.

Trackkeymetrics,measurecampaigneffectiveness,andaccessreal-timeinsightsintowhatpeoplethink,feel,andsayaboutyourbrand.

Explorebrandtracking

28UShealthinsurancerankings2024

Methodology

Theinsightsinthisreporthavebeensourcedviasyndicateddatasets

YouGovProfiles

,

YouGovCategoryView,

and

YouGovBrandIndex

.

TheconsumerinsightsinthisreportaresourcedviaYouGovProfilesand

YouGovFinancialServicesCategoryView,whilethebrandrankingscomefromYouGovBrandIndex.

TheattitudestatementsattheonsetofthereportcomefromYouGovProfiles,representinga52-weekrollingaverageofconsumerviewsdatingbackto

November2023.

ThehealthinsuranceusageandclaimsdataweredrawnfromYouGovFinancialServicesCategoryView,withthereferenceddatacollected

continuouslyfromMarchthroughtoOctober2024.ThetargetgroupincludesAmericanswhoare18+andfiltersfurtherbasedonagerange,incomelevels,andhealthinsurancecoverage.

Thehealthinsuranceb