eHealth, Inc.         National Consumer Survey of Individuals          Looking for Private Health Insurance at            ...
Average Individual Health Insurance ConsumerThe survey of 1,551 consumers shows that the average consumer looking for indi...
Average Uninsured ConsumerIn the survey, 38.8% of respondents identified themselves as uninsured. Data from this subsetof ...
Notable differences between the insured and uninsured:The greatest differences between the insured population and the unin...
Current Source of Health Insurance*:            100%                                                              Insured ...
Demographic Data for Total Population Surveyed*:                           100%                                           ...
Education and Employment Data for Total Population Surveyed*:            100%                                     19.7%   ...
Differences between the insured and uninsured income:                        Household Income Data                        ...
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National Consumer Survey - Private Health Insurance

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Representatves from eHeathInsurance developed the survey questonnaire in order to beter identfy potental customers and be able to target their specifc needs through improved products and services. The results of this ongoing survey were taken via an online poll. Consumers who called eHealthInsurance’s customer care center were sent the survey via email. This ongoing survey began on February 20, 2009 and contnued through June 30, 2009.

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National Consumer Survey - Private Health Insurance

  1. 1. eHealth, Inc. National Consumer Survey of Individuals Looking for Private Health Insurance at eHealthInsurance ServicesMethodology:eHealth, Inc. is the parent company of eHealthInsurance Services Inc., the leading online source of healthinsurance for individuals, families and small businesses. Licensed to market and sell health insurance in all50 states and the District of Columbia, eHealthInsurance has developed partnerships with more than 185health insurance companies, offering more than 10,000 health insurance products online. The company’stechnology platform is able to communicate electronically with insurance carrier partners, which enablesa simpler, more streamlined health insurance application process. This technical integration with the back-office processes of health insurance companies can facilitate rapid approval of applications and real-timecommunication between carrier and consumer throughout the process.Representatives from eHeathInsurance developed the survey questionnaire in order to better identifypotential customers and be able to target their specific needs through improved products and services.The results of this ongoing survey were taken via an online poll. Consumers who called eHealthInsurance’scustomer care center were sent the survey via email. This ongoing survey began on February 20, 2009and continued through June 30, 2009. As of the June 30, 2009, 1,551 customers have responded. Giventhe nature of the survey, a margin of sampling error for all adults is not readily available. However, whenthe data in the survey is compared to the results of eHealth, Inc.’s 2008 Cost & Benefits Report, whichevaluated 227,000 individual health insurance policies, both audiences have similar, although not totallyconsistent, characteristics in regards to age and gender.Survey HighlightsData collected as part of eHealthInsurance Services ongoing call center survey provides a snapshot ofconsumers looking for individual health insurance in the first half of 2009.National Consumer Survey of Individuals Looking for Private Health Insurance at eHealthInsurance Services 1
  2. 2. Average Individual Health Insurance ConsumerThe survey of 1,551 consumers shows that the average consumer looking for individual healthinsurance by phone is currently a single (50.3%), college educated (61.5%), female (61.9%),between the ages of 45-64 (48.2%), working full-time (52.9%) for a small business (31.5%), earningbetween $40,000 and $74,999 per year (33.3%) and is currently insured (61.2%).Survey HighlightsData collected as part of eHealthInsurance Services ongoing call center survey provides a snapshot ofconsumers looking for individual health insurance in the first half of 2009.National Consumer Survey of Individuals Looking for Private Health Insurance at eHealthInsurance Services 2
  3. 3. Average Uninsured ConsumerIn the survey, 38.8% of respondents identified themselves as uninsured. Data from this subsetof respondents provides a snapshot of the uninsured consumers looking for individual healthinsurance in the first half of 2009. According to the survey, the average uninsured consumer iscurrently a single (55.4%), college educated (53.5%), female (61.6%), between the ages of 25-44(47.0%), working full-time (51.5%) for a small business (33.1%), earning between $40,000 and $74,999per year (31.2%).Survey HighlightsData collected as part of eHealthInsurance Services ongoing call center survey provides a snapshot ofconsumers looking for individual health insurance in the first half of 2009.National Consumer Survey of Individuals Looking for Private Health Insurance at eHealthInsurance Services 3
  4. 4. Notable differences between the insured and uninsured:The greatest differences between the insured population and the uninsured population relatedto education (61.5% insured were college educated vs. 53.5% uninsured who have completedcollege), and age (48.2% insured were ages of 45-64 vs. 47.0% uninsured who were aged 25-44). Education - Insured Vs. Uninsured*: 100% 19.7% completed 16.2% completed grad school grad school Surveyed Population 41.8% college 37.3% college educated educated completed 41.6% completed 35.1% high school high school 3.5% some high school 4.9% some high school 0% Highest level of education completed Highest level of education completed by Insured Customer by Uninsured Customer Age - Insured Vs. Unisured*: 100% Insured Uninsured Percentage 24.2% 25.0% 24.0% 22.0% 20.8% 21.5% 20.3% 16.8% 1.4% 1.3% 12.9% 0.6% 0.6% 8.7% 0% Ov 4 4 4 -54 4 4 4 -54 4 4 18 65 65 18 -6 -3 -4 -2 -2 -3 -6 -4 er er er er 55 45 45 55 25 35 18 18 25 35 d Ov d Un Un* Source: An ongoing survey administered from eHealthInsurance Services customer care center. Beginning on February 20, 2009,eHealthInsurance began emailing a voluntary survey to any customer calling in to its customer care center.To date, 1,551 respondents have taken the survey. Of that total, 1,381 answered the question, “What is the current healthinsurance status of the people you are looking for?” Of that group, 536 identified themselves as uninsured (38.8% of the 1,381)*Survey data is also available broken out by gender.National Consumer Survey of Individuals Looking for Private Health Insurance at eHealthInsurance Services 4
  5. 5. Current Source of Health Insurance*: 100% Insured through employer 20.4% (or the employer of a family member) 13.5% COBRA plan Surveyed Population Private market 24.5% (not through employer or prior employer) 2.8% State or Federal Program (Medicare, Medicaid, etc.) 38.8% Uninsured 0% Insurance Provider* Source: An ongoing survey administered from eHealthInsurance Services customer care center. Beginning on February 20, 2009,eHealthInsurance began emailing a voluntary survey to any customer calling in to its customer care center.To date, 1,551 respondents have taken the survey. Of that total, 1,381 answered the question, “What is the current healthinsurance status of the people you are looking for?” Of that group, 536 identified themselves as uninsured (38.8% of the 1,381)*Survey data is also available broken out by gender.National Consumer Survey of Individuals Looking for Private Health Insurance at eHealthInsurance Services 5
  6. 6. Demographic Data for Total Population Surveyed*: 100% Gender Marital Status Age Percentage 61.9% 49.7% 38.1% 36.0% 24.2% 24.0% 20.8% 20.3% 1.4% 2.5% 11.8% 0.6% 8.7% 0% Ov 4 4 4 -54 4 18 ed 65 ed Di ed le ale Fe e -6 -3 -4 -2 l ng Ma rc rri w er er m 55 45 25 35 18 ido vo Si Ma d Un W Demographic Data for Uninsured Consumers*: 100% Gender Marital Status Age Percentage 61.6% 44.6% 42.0% 38.4% 25.0% 22.0% 21.5% 16.8% 1.3% 12.9% 2.8% 0.6% 10.6% 0% 4 4 -54 4 4 65 18 Di ed ed ed ale Fe e Ma e -2 -3 -6 -4 l l Ma ng w rc rri er er m 45 55 18 25 35 ido vo Si Ov d Un W* Source:An ongoing survey administered from eHealthInsurance Services’ customer care center. Beginning on February 20, 2009,eHealthInsurance began emailing a voluntary survey to any customer calling in to its customer care center.To date, 1,551 respondents have taken the survey. Of that total, 1,381 answered the question, “What is the current health insurancestatus of the people you are looking for?” Of that group, 536 identified themselves as uninsured (38.8% of the 1,381)*Survey data is also available broken out by gender.National Consumer Survey of Individuals Looking for Private Health Insurance at eHealthInsurance Services 6
  7. 7. Education and Employment Data for Total Population Surveyed*: 100% 19.7% completed unemployed or grad school 20.4% self-employed not employed 24.6% (contract/freelance) 9.3% retired large company Surveyed Population 18.0% (500+ employees) 41.8% college employed educated 17.4% (part-time) medium-size 25.9% business (20-500 employees) employed completed 52.9% (full-time) 35.1% high school small business 31.5% (< 20 employees) 3.5% some high school 0% Highest level of Current employment What size company do education completed? status? you work at? Education and Employment Data for Uninsured Consumer*: 100% 16.2% completed unemployed or grad school 20.4% self-employed 23.7% not employed (contract/freelance) 7.1% retired Surveyed Population 19.1% large company 37.3% college employed (500+ employees) educated 17.7% (part-time) 27.4% medium-size business (20-500 employees) employed 41.6% completed 51.5% (full-time) high school small business 33.1% (< 20 employees) 4.9% some high school 0% Highest level of Current employment What size company do education completed? status? you work at?* Source:An ongoing survey administered from eHealthInsurance Services’ customer care center. Beginning on February 20, 2009,eHealthInsurance began emailing a voluntary survey to any customer calling in to its customer care center.To date, 1,551 respondents have taken the survey. Of that total, 1,381 answered the question, “What is the current health insurancestatus of the people you are looking for?” Of that group, 536 identified themselves as uninsured (38.8% of the 1,381)*Survey data is also available broken out by gender.National Consumer Survey of Individuals Looking for Private Health Insurance at eHealthInsurance Services 7
  8. 8. Differences between the insured and uninsured income: Household Income Data 2.0% Household Income Data for Total Population Surveyed*: $200,000 for Uninsured Consumer*: or 3.0% more $200,000 or 13.9% 12.6% 3.6% 17.6% more Zero $20,000 $150,000 Zero to to to to 3.7% $19,999 $29,999 $199,999 $19,999 16.4% $150,000 11.7% $20,000 to 10.5% $199,999 $30,000 to 8.2% to $100,000 $100,000 $29,999 to $39,999 to $149,999 $149,999 12.8% 14.8% 11.3% 6.1% $30,000 $75,000 $40,000 to $75,000 18.2% 13.0% to to $99,999 20.5% $49,999 to $50,000 $39,999 $50,000 $99,999 to $40,000 to $74,999 to $74,999 $49,999* Source: An ongoing survey administered from eHealthInsurance Services customer care center. Began on February 20, 2009,eHealthInsurance began emailing a voluntary survey to any customer calling in to its customer care center.To date, 1,551 respondents have taken the survey. Of that total, 1,381 answered the question, “What is the current healthinsurance status of the people you are looking for?” Of that group, 536 identified themselves as uninsured (38.8% of the 1,381)*Survey data is also available broken out by gender.National Consumer Survey of Individuals Looking for Private Health Insurance at eHealthInsurance Services 8

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