A new study by eHealthInsurance finds that today’s college students, though holding health plans in high regard, aren’t up to speed on all the facts involved. And though they’d hope for a job to provide them with healthcare benefits, they’re more than willing to invest in their own plan. Overall, optimism persists for this group that many call the “young invincibles” – they’re hopeful about all that the real world has to offer, and willing to make smart sacrifices in order to protect their health.
Understanding the vocabulary of health insurance helps in selecting and using coverage effectively. eHealthInsurance commissioned a national study to determine public awareness of select health insurance terminology and the specifics of health insurance coverage. Americans admit to a health insurance vocabulary deficit.
Only a fourth (23%) feel they are very sure of what the terminology used in their health insurance policy actually means.
A third are somewhat sure of what the terminology actually means (32%).
One-fourth are not very sure (13%) or have no idea (10%) what the terminology used in their health insurance policy means.
One-fifth report they don’t have health insurance (21%).
The public demonstrates its lack of familiarity with health insurance terminology by not knowing what some of the key abbreviations stand for.
Only one-third of Americans (36%) can volunteer that HMO stands for health maintenance organization.
Only one-fifth (20%) recall that PPO stands for Preferred Provider Organization.
Only one out of nine (11%) recalls that HSA stands for Health Savings Account.
When asked how sure they were with some of the specifics of their health insurance policy, most people said they were very sure of the amount of their co-payment (61%), but half or fewer were very sure they knew the amounts of other basic elements of their coverage:
Half said they were very sure of what they paid for their health insurance premiums (50%).
45% were very sure of their annual deductible.
41% were very sure of the level of their plan’s co-insurance.
35% were very sure of their maximum annual out-of-pocket costs.
For each of these items, one-fifth indicated that the questions were not relevant since they did not have health insurance (21%).
Effect of State Regulations on Health Insurance PremiumseHealth , Inc.
Overall, these results provide solid evidence that the state-level regulations of health insurance are correlated with higher premiums. The regression model estimates that the presence of health plan liability laws increases monthly premiums by $21.84. Laws that give subscribers direct access to specialists increase monthly premiums by $31.15. Provider due process laws increase premiums by
$16.62. Finally, each additional mandated benefit increases premiums by $0.75. All of these findings achieve statistical significance.
The Social Determinants of Health: Applying AI & Machine Learning to Achieve ...Cognizant
Digital tools make it possible, and practical, to integrate social determinants into patient and population health management to improve outcomes and reduce costs. Here’s our take on how to turn theory into practice.
Single Payer Systems: Equity in Access to Caresoder145
Presentation by Lynn Blewett at "The True Workings of Single Payer Systems: Lessons or Warnings for U.S. Reform' conference sponsored by the Journal of Health Politics Policy and Law, May 10 2008.
Understanding the vocabulary of health insurance helps in selecting and using coverage effectively. eHealthInsurance commissioned a national study to determine public awareness of select health insurance terminology and the specifics of health insurance coverage. Americans admit to a health insurance vocabulary deficit.
Only a fourth (23%) feel they are very sure of what the terminology used in their health insurance policy actually means.
A third are somewhat sure of what the terminology actually means (32%).
One-fourth are not very sure (13%) or have no idea (10%) what the terminology used in their health insurance policy means.
One-fifth report they don’t have health insurance (21%).
The public demonstrates its lack of familiarity with health insurance terminology by not knowing what some of the key abbreviations stand for.
Only one-third of Americans (36%) can volunteer that HMO stands for health maintenance organization.
Only one-fifth (20%) recall that PPO stands for Preferred Provider Organization.
Only one out of nine (11%) recalls that HSA stands for Health Savings Account.
When asked how sure they were with some of the specifics of their health insurance policy, most people said they were very sure of the amount of their co-payment (61%), but half or fewer were very sure they knew the amounts of other basic elements of their coverage:
Half said they were very sure of what they paid for their health insurance premiums (50%).
45% were very sure of their annual deductible.
41% were very sure of the level of their plan’s co-insurance.
35% were very sure of their maximum annual out-of-pocket costs.
For each of these items, one-fifth indicated that the questions were not relevant since they did not have health insurance (21%).
Effect of State Regulations on Health Insurance PremiumseHealth , Inc.
Overall, these results provide solid evidence that the state-level regulations of health insurance are correlated with higher premiums. The regression model estimates that the presence of health plan liability laws increases monthly premiums by $21.84. Laws that give subscribers direct access to specialists increase monthly premiums by $31.15. Provider due process laws increase premiums by
$16.62. Finally, each additional mandated benefit increases premiums by $0.75. All of these findings achieve statistical significance.
The Social Determinants of Health: Applying AI & Machine Learning to Achieve ...Cognizant
Digital tools make it possible, and practical, to integrate social determinants into patient and population health management to improve outcomes and reduce costs. Here’s our take on how to turn theory into practice.
Single Payer Systems: Equity in Access to Caresoder145
Presentation by Lynn Blewett at "The True Workings of Single Payer Systems: Lessons or Warnings for U.S. Reform' conference sponsored by the Journal of Health Politics Policy and Law, May 10 2008.
Unstable Ground? Comparing Income, Poverty & Health Insurance Estimates from ...soder145
Michael Davern's presentation at the 2009 AcademyHealth Annual Research Meeting, "Unstable Ground? Comparing Income, Poverty & Health Insurance Estimates from Major National Surveys." June 29, 2009, Chicago IL.
LR - Cost And Benefits Of Individual And Family Health Insurance Plans - Sept...eHealth , Inc.
A nationwide perspective on cost and benefits trends in the individual health insurance market based on an analysis of a large, geographically distributed sample of eHealthInsurance purchasers and products.
Tackling the Tough Topics: The public plan option, employer pay or play, and ...soder145
Presentation by Jean Abraham of the University of Minnesota at the Minnesota Senate Health and Human Services Budget Division hearing in St. Paul, MN, August 18 2009.
Evaluating Small Group Employer Participation in New Mexico’s State Coverage ...soder145
Presentation by Anna Sommers at the AcademyHealth Annual Research Meeting session, "The Lab Reports: Evaluating State's Actions to Expand Access and Coverage," Chicago, IL, June 30 2009. Also presented at the AcademyHealth adjunct State Health Research and Policy Interest Group meeting panel, "Early Results from the State Health Access Reform Evaluation (SHARE) Program," June 27 2009.
Edelman Health Barometer 2008: Health Influence in the Era of Public Engagement
Edelman Health Barometer 2010 (http://www.slideshare.net/edelmaninc/edelman-health-engagement-barometer-2010)
Survey On Mobile Phones And Their Defects(Indian Context)Jai Awatramani
Hello Everyone,
We would like to take the internet medium to share with you the work done by Me and my friend. We belong ot the MBA(Tech.) course from NMIMS, bacth of 2004-09, telecom, 5th year.
In the period from Nov'07-Feb'08, we did a survey on the defects in the handsets circulating in the indian mobile market and the levles of customer satifsfaction prvaling. The survey was of 309 samples among college going students from various parts of the city. We got some shocking results:
1. 28% of all phones circulating in the market are defective as these defects have occured due to internal problem of the phone and they have occure within 1 year of purchase.
2. It takes an average of 7 days to 22 days to get a phone repaired and 38 days to 88 days to get the phones replaced.
3. If asked would you like to buy the phone from the same company again: 11% of the population said that they would not like to buy the phone from the same company again. 35% is unsure on the decesion, while the remaining 54% would like to buy the phone from the same company again.
The survey included Nokia, Sony Ericsson, Motorla, Samsung, LG, O2, the distribution is as given in the report.
We would happy if the media wishes to publish this report. All the data is well documented and we have the real data supporting it.
For any enquiries, We can be reached at
jai.awatramani@gmail.com
aliasgaryn@yahoo.com
Unstable Ground? Comparing Income, Poverty & Health Insurance Estimates from ...soder145
Michael Davern's presentation at the 2009 AcademyHealth Annual Research Meeting, "Unstable Ground? Comparing Income, Poverty & Health Insurance Estimates from Major National Surveys." June 29, 2009, Chicago IL.
LR - Cost And Benefits Of Individual And Family Health Insurance Plans - Sept...eHealth , Inc.
A nationwide perspective on cost and benefits trends in the individual health insurance market based on an analysis of a large, geographically distributed sample of eHealthInsurance purchasers and products.
Tackling the Tough Topics: The public plan option, employer pay or play, and ...soder145
Presentation by Jean Abraham of the University of Minnesota at the Minnesota Senate Health and Human Services Budget Division hearing in St. Paul, MN, August 18 2009.
Evaluating Small Group Employer Participation in New Mexico’s State Coverage ...soder145
Presentation by Anna Sommers at the AcademyHealth Annual Research Meeting session, "The Lab Reports: Evaluating State's Actions to Expand Access and Coverage," Chicago, IL, June 30 2009. Also presented at the AcademyHealth adjunct State Health Research and Policy Interest Group meeting panel, "Early Results from the State Health Access Reform Evaluation (SHARE) Program," June 27 2009.
Edelman Health Barometer 2008: Health Influence in the Era of Public Engagement
Edelman Health Barometer 2010 (http://www.slideshare.net/edelmaninc/edelman-health-engagement-barometer-2010)
Survey On Mobile Phones And Their Defects(Indian Context)Jai Awatramani
Hello Everyone,
We would like to take the internet medium to share with you the work done by Me and my friend. We belong ot the MBA(Tech.) course from NMIMS, bacth of 2004-09, telecom, 5th year.
In the period from Nov'07-Feb'08, we did a survey on the defects in the handsets circulating in the indian mobile market and the levles of customer satifsfaction prvaling. The survey was of 309 samples among college going students from various parts of the city. We got some shocking results:
1. 28% of all phones circulating in the market are defective as these defects have occured due to internal problem of the phone and they have occure within 1 year of purchase.
2. It takes an average of 7 days to 22 days to get a phone repaired and 38 days to 88 days to get the phones replaced.
3. If asked would you like to buy the phone from the same company again: 11% of the population said that they would not like to buy the phone from the same company again. 35% is unsure on the decesion, while the remaining 54% would like to buy the phone from the same company again.
The survey included Nokia, Sony Ericsson, Motorla, Samsung, LG, O2, the distribution is as given in the report.
We would happy if the media wishes to publish this report. All the data is well documented and we have the real data supporting it.
For any enquiries, We can be reached at
jai.awatramani@gmail.com
aliasgaryn@yahoo.com
The Mobile Survey Revolution: Insight Anytime, Anywhere; Online, Offline, or SMSQualtrics
With mobile trends on the rise, how can organizations expect to survive without optimizing the mobile experience? Learn how Qualtrics Mobile can help you capture insights in the field and anywhere your team interacts with customers — online, offline, or via SMS.
Laura Jett, from Cricket Communications, will also share proven ways to increase your mobile survey response rates as well as simple mobile techniques that are often overlooked.
“A Detail Study of the Cotton Cloth Production by Power Loom in the Easter…Meraj Ashraf
***Objectives of the Research Report:-
• To study the current position and situation of the business.
• To find out the strengths and weaknesses of the cotton cloth business in Eastern UP.
• To identify the key opportunities and threats in the cotton business.
• To find out the problems faced by the employees and employees of the business.
• To explain and study the Marketing Mix (Product, Price, Place and Promotion) of the business.
• To explain the possible ways to eradicate weaknesses and problems in the form of ‘Suggestions and Recommendations’.
***SWOT Analysis:-
***Marketing Mix for the Cotton Cloth:
Milagrow Business and Knowledge Solutions did a dipstick market research on Mobile Phone brands in India, reasons why people buy particular phones, what price range they prefer etc.
Project report on 'customer satisfaction towards whatsapp'Chirag Patel
marketing research on "WhatsApp Inc." for general understanding of the marketing research. However in particular my emphasis was on to fulfill the objective of research and to find out and to explore the analyses of primary data.
This Project Report is to measure the Satisfaction level of WhatsApp Messenger; customer satisfaction is a measure of how products and services supplied by a company meet customer expectation. Customer satisfaction is critical if a company is to register high sales profits.
College Grads and Students Health Reform Survey 2010eHealth , Inc.
The eHealthInsurance Grad Survey was conducted by Kelton Research between March 9th and March 15th, 2010 using an email invitation and an online survey.
Results of any sample are subject to sampling variation. The magnitude of the variation is measurable and is affected by the number of interviews and the level of the percentages expressing the results. For the recent graduates portion of this survey, the chances are 95 in 100 that a survey result does not vary, plus or minus, by more than 4.4 percentage points from the result that would be obtained if interviews had been conducted with all persons in the universe represented by the sample. For the college student portion of this survey, the chances are 95 in 100 that a survey result does not vary, plus or minus, by more than 4.3 percentage points from the result that would be obtained if interviews had been conducted with all persons in the universe represented by the sample
University education is the gateway to a successful and happy futureDinesh Gehlot
Learning for life explores parents’ hopes and expectations for their children’s education and beyond, with a focus on how parents can help children get what they need to achieve their life goals. The findings reveal that parents aspire to professional careers for their children,whether in traditional fields like medicine, engineering or law, or in newer sectors like business management or computer science.
A job in engineering is the most preferable for almost a fifth of parents in Brazil (18%), Malaysia (18%), the UAE (16%) and Mexico (16%), compared to just 5% of parents in Australia, Singapore and Taiwan.
Although symptoms can vary widely, the first problem many people notice is forgetfulness severe enough to affect their ability to function at home or at work or to enjoy lifelong hobbies.
Take the Work-Life Quiz: Know what you need to know to be effective
How do you stack up on key work-life knowledge? Do you know the cutting edge information about work-life topics such as workplace flexibility, health and wellness or culture change initiatives? How can you create effective work-life efforts that meet the unique needs of your organization as part of your total rewards strategy? Take the work-life quiz to learn the fact-based information needed for success. Understand misconceptions and erroneous assumptions that challenge common wisdom. This presentation will provide critical work-life research and statistics to assist you to create effective work-life strategies as well as communicate the benefits of these initiatives to employees, managers and senior leaders. The work-life strategy of RSM McGladrey will be featured including their successful approaches to solve difficult work-life problems and situations.
Every year, Tiger Recruitment releases a Salary and Benefits Review which collates the data from a survey of 2,700 staff. This year, we knew things would be different.
COVID-19 has significantly impacted many of the results in the review. For example, the top priorities for jobseekers this year were salary and job security, which is a shift away from last year’s top priority, work environment.
Find a breakdown of the salary survey results below.
2023 Medicare AEP Experience Survey Report from Media LogicMedia Logic
Over the past few years, Medicare Advantage has enjoyed a surge in enrollment, currently commanding nearly half of Medicare beneficiaries – and expected to grow.
This trend created a very competitive market, especially during the Medicare Annual Enrollment Period (AEP). Though statistics on switching and shopping behavior are widely covered, Media Logic wanted to understand more about the underlying sentiments of shoppers during AEP. We were interested in this for messaging purposes and to get insight on how sentiment relates to direct mail, which has historically been a significant channel for payers during AEP but may be the subject of re-evaluation as the use of digital channels becomes more prevalent during this busy marketing season.
The value-of-education-higher-and-higher-global-reportDinesh Gehlot
With the rise of information economy and a challenging job market With the rise of information economy and a challenging job market With the rise of information economy and a challenging job market With the rise of information economy and a challenging job market With the rise of information economy and a challenging job market With the rise of information economy and a challenging job market With the rise of information economy and a challenging job market
Ecs college graduate survey report finalExperian_US
College students may be about to receive their degrees but their credit education still needs some schooling. A national survey by Experian of college students graduating this year found that 69 percent of respondents will have student loan debt upon graduation. Despite the fact that most students accumulate debt, 71 percent of survey respondents said they did not learn about credit and debt management in college, giving their schools an average grade of C when it comes to preparing them to manage credit and debt after college.
The Affordable Care Act has brought changes that businesses can’t ignore.
Aflac surveyed 314 brokers, 5,209 American workers and 1,856 business decision-makers to determine the impact health care reform is having on brokers’ business models and employers’ benefit offerings.
The results show the growing importance of voluntary insurance benefits.
LR - Cost And Benefits Of Individual And Family Health Insurance Plans - Nove...eHealth , Inc.
A nationwide perspective on cost and benefits trends in the individual health insurance market based on an analysis of a large, geographically distributed sample of eHealthInsurance purchasers and products.
COBRA (and other Medical Insurance Alternatives) SurveyeHealth , Inc.
Health insurance coverage is very important to Americans. In fact, they are about as unlikely to pay their health insurance premium late as they are to be late paying their mortgage. While virtually all adults are aware they can purchase individual health plans, only about one in three are aware that these plans can be less expensive than COBRA coverage, and just 44% know that individual plans can offer similar benefits to COBRA coverage. Considering that expense is the main reason people who are eligible for COBRA coverage end up declining it, increased awareness of individual health plan costs and coverage options would help reduce the percentage of Americans who are uninsured.
Summary Findings of an Opinion Research Survey On Health Reform LegislationeHealth , Inc.
eHealth, Inc. commissioned this nationwide survey to better understand consumer behavior and expectations in the context of current health insurance reform legislation. This report summarizes findings of a telephone survey conducted among a random national sample of 1,003 adults 18 years of age and older, living in private households in the continental United States. Interviewing for this survey was completed by Opinion Research Corporation during the period December 4 - 7, 2009. See the Methodology section of this report for additional information about the margin of error for this study and its applicability to the surveyed sample of adults.
LR - Cost and Benefits Of Individual and Family Health Insurance Plans 2009eHealth , Inc.
The objective of this report is to provide a nationwide perspective on cost and benefit trends in the non-group, individual and family health insurance market based on an analysis of a large, geographically distributed sample of eHealthInsurance purchasers and products
An open enrollment checklist, created by eHealthInsurance, to help employees find the best personal health insurance solution for the 2012 benefit year - via http://www.eHealthInsurance.com
Medicare Resource Guide for consumers needing help in finding, comparing and enrolling in Medicare coverage. PlanPrescriber’s new resource guide is designed for baby boomers new to Medicare and any Medicare beneficiary, or caregiver of a beneficiary, that needs assistance in understanding the basics of Medicare and important tips on choosing the right coverage... via http://www.eHealthInsurance.com
This chart describes special enrollment periods in various states for enrollment of children age 18 and under in individual health insurance, without presence of a parent or guardian on the policy.
Cost & Benefits of Individual and Family Health Insurance Plans, 2011eHealth , Inc.
The average premium paid for individual health insurance coverage in the United States in 2011 was $2,196 per year ($183 per month); families paid an average annual premium of $4,968 ($414 per month). Read more... via http://www.eHealthInsurance.com
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
BONKMILLON Unleashes Its Bonkers Potential on Solana.pdfcoingabbar
Introducing BONKMILLON - The Most Bonkers Meme Coin Yet
Let's be real for a second – the world of meme coins can feel like a bit of a circus at times. Every other day, there's a new token promising to take you "to the moon" or offering some groundbreaking utility that'll change the game forever. But how many of them actually deliver on that hype?
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
Abhay Bhutada Leads Poonawalla Fincorp To Record Low NPA And Unprecedented Gr...Vighnesh Shashtri
Under the leadership of Abhay Bhutada, Poonawalla Fincorp has achieved record-low Non-Performing Assets (NPA) and witnessed unprecedented growth. Bhutada's strategic vision and effective management have significantly enhanced the company's financial health, showcasing a robust performance in the financial sector. This achievement underscores the company's resilience and ability to thrive in a competitive market, setting a new benchmark for operational excellence in the industry.
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
1. Page 1 of 14
NewsWorthy Analysis
College Students Survey
May 2009
The Health Of Our Nation’s Future
America’s Undergrads Starting Off With A Healthy Dose Of Optimism,
But Still Have Homework To Do
From first job to first apartment, the immediate post-college years are full of exciting milestones. Unfortunately, a
down economy has thrown at least one of these landmark moments for a loop. Employers plan to hire 22 percent
fewer college graduates in 20091, leaving many young Americans without steady employment opportunities, and, by
extension, a lack of health insurance. In the coming years, many parents may be forced to take on the financial
burden of health insurance for graduates who can't find work in the weakest job market in decades.
A new study by eHealthInsurance finds that today’s college students, though holding health plans in high regard,
aren’t up to speed on all the facts involved. And though they’d hope for a job to provide them with healthcare
benefits, they’re more than willing to invest in their own plan. Overall, optimism persists for this group that many
call the “young invincibles” – they’re hopeful about all that the real world has to offer, and willing to make smart
sacrifices in order to protect their health.
Detailed below are some highlights of the study, followed by a more comprehensive summary of the data:
1. The next generation of graduates is optimistic about the post-college period. (page 2)
Almost half (44%) expect to spend most of their time working at a job that matches their qualifications in the
first six months after graduating.
An overwhelming majority (89%) are sure they’ll find a job related to their major once they finish school.
Similarly, 85 percent believe their first job after college will provide them with a health plan.
2. College students value health insurance, but don't know enough about it. (page 3)
Over six in ten (61%) college students would rather live with their parents for the first year after they graduate
than go without health insurance during this period of time.
Many would take care of their own coverage instead. More than six in ten (63%) want to find their own health
insurance plan and keep it regardless of where they work, not switch health plans with every job.
Less than one in five (16%) would part with their health insurance if money was tight after finishing school; cell
phones (13%) and access to the web (12%) are just as important to hang onto. Other expenses like cable TV
(48%) would be much easier to do without.
But less than half of college students can define basic terms such as deductible (41%) or premium (29%).
3. If grads are without jobs, parents must learn to adapt to their children’s changing needs (page 6)
Seven in ten (70%) college students covered under their parents believe their folks would buy them a health
plan if they were no longer eligible for coverage after school ends.
Fewer than one in three (30%) college students believe they’ll have a job lined up before they graduate.
1
National Association of Colleges and Employers “Job Outlook 2009 Spring Update,” http://www.naceweb.org/press/display.asp?year=&prid=297.
2. eHealthInsurance College Students Survey - NewsWorthy Analysis | May 2009 Page 2 of 14
1) THE FUTURE’S SO BRIGHT…
Future young graduates are feeling good about their early 20s.
Looking Ahead. There’s a pervasive sense of optimism among today’s undergrads:
Almost nine in ten (89%) current college students are sure they’ll find a job related to their major once
they finish school.
And close to half (44%) imagine that most of the first six months after graduation will be spent
working at a job that matches their qualifications – more guys than girls (47% vs. 41%) expect this.
No Doubt About It. Many college students are also counting on their prospective employers to provide
for them – nearly nine in ten (85%) believe their first “real world” job will provide them with a health plan.
The Perfect Parachute. However, they’d be quick to sacrifice benefits for a job they love. Nearly seven
in ten (68%) would prefer to take a job they liked without healthcare benefits than a position they didn’t
like that provided a health plan.
Which Of The Following Would You Rather Do
After Graduating College?
Take A Job I
Don't Like That
Does Provide
Take A Job I Healthcare
Like, Even If It Benefits
Doesn't 32%
Provide
Healthcare
Benefits
68%
3. eHealthInsurance College Students Survey - NewsWorthy Analysis | May 2009 Page 3 of 14
2) THEIR HEARTS ARE IN THE RIGHT PLACE
While college students know health insurance is important, they’re far from experts on the topic.
Health Comes First. Nearly three in ten (29%) college students would consider passing on a job if
health insurance wasn’t offered or the coverage wasn’t what they expected. This is more of a deal-breaker
than a flexible work schedule (16%), good retirement benefits (15%) or a desirable commute (13%).
Which Of The Following Benefits Would Most Likely Be Non-
Negotiable For You When Evaluating A Potential Job, Meaning
That You Would Consider Passing On The Job If These Benefits
Were Not Included Or Undesirable?
Health Insurance 29%
A Flexible Schedule 16%
401(k) Or Other Retirement Accounts 15%
The Commute Or The Office's Location 13%
Vacation Time 12%
Gym Memberships 6%
Corporate Culture 5%
Your Potential Title 4%
More female than male college students (32% vs. 27%) would consider passing on a job if the health
insurance wasn’t what they wanted.
More junior and senior college students than freshman and sophomore students admit they would
consider passing on a job if the health plan didn’t match their expectations (33% vs. 27%).
Good Gifting Sense. And although many undergrads prefer a new car (26%) or a vacation as a potential
college graduation present, more of them would be happy with the gift of health insurance (14%) than
big-ticket electronics like TVs and computers (8%) or smaller gadgets such as a cell phone or GPS (2%).
No More Empty Nest. Furthermore, over three in five (61%) college students admit they’d rather live
with their parents for the first year after they graduate than go without health insurance during this period
of time.
Almost two in three (64%) college students ages 17-21 would be willing to go this route, compared to
55 percent of their 22+ elders.
Similarly, 65 percent of those currently covered by their parent’s policy would stay at home for the first
year after they graduate than be uninsured, vs. 55 percent of those not on their parent’s health plans.
Independent Study. Instead, many are willing to take charge of their own coverage. More than six in
ten (63%) would opt for finding their own health insurance plan and keeping it regardless of where they
work, over switching health insurance plans with every job change.
4. eHealthInsurance College Students Survey - NewsWorthy Analysis | May 2009 Page 4 of 14
Almost seven in ten (68%) freshmen and sophomores imagine they’d be happier to stick with one plan
in spite of where they work, vs. 53 percent of juniors and seniors who feel this way.
Hanging On To Health. Many indications of young independence are not as important as health
coverage. Less than one in five (16%) would part with their health insurance if money was tight after
finishing school – other expenses like cable TV (48%) or their own apartments (31%) would be easier to
do without.
A Wired World. Only Internet access (12%) and a mobile device (13%) are deemed just as important to
secure as health benefits.
Which Of The Following Would You Be Willing To Give Up If You
Had To Cut Back On Your Spending After Graduating College?
Please Choose All That Apply.
Magazine Subscriptions 72%
Eating Out 69%
Gym Membership 63%
Video Game System 59%
Cable TV 48%
Credit Cards 48%
Having My Own Apartment 31%
Having My Own Car 19%
Health Insurance 16%
My Own Cell Phone, Smartphone, Or PDA 13%
Internet Access 12%
None Of These 3%
Off On Cost. However, nearly six in ten (58%) confess they don’t know how much it would cost per
month for a private health insurance plan. Those who did guess a number assume an average of $268
each month, which is far higher than the cost of an average plan.
Young men believe a private plan’s monthly cost would be almost twice as much as young women
predict ($334 vs. $195).
Failing Grade. And when asked to list every insurance cost they might need to know, less than one in
five offered up co-pay (16%), premium (9%) or deductible (6%).
Hit The Books. Clearly, there’s a long way to go in getting young Americans up to speed on health
insurance. Other than co-pay (53%), less than half are sure they can define other key terms such as
deductibles (41%) – and almost one in five college students (17%) admit they can’t explain any of them.
(see chart on next page)
5. eHealthInsurance College Students Survey - NewsWorthy Analysis | May 2009 Page 5 of 14
Which Of The Following Health Insurance Terms Are You
Confident That You Can Define? Please Choose All That Apply.
Co-Pay 53%
Deductible 41%
Premium 29%
Annual Out Of Pocket Maximum 23%
Lifetime Coverage Limit 23%
Co-Insurance 15%
None Of These 17%
One in four (25%) freshmen can’t describe any of these terms, compared to 13 percent of those in
other grades.
Expecting Too Much. Furthermore, college students are quick to assume that a number of key benefits
will be provided for them on any private health insurance plan, from visits to the doctor (73%) and the
emergency room (69%) to prescription drug coverage (61%) and maternity needs (40%).
Females have higher expectations than males about a variety of benefits included automatically in
private plans, including preventive care like doctor visits (83% vs. 64%), ER visits (78% vs. 60%),
prescription drug coverage (71% vs. 52%), and psychiatric care (26% vs. 21%).
6. eHealthInsurance College Students Survey - NewsWorthy Analysis | May 2009 Page 6 of 14
3) A NEW DYNAMIC AT HOME
Over the next few years, parents of college graduates will need to prepare for the expectations of this so-
called “boomerang generation.”
Currently Covered. Three in five (60%) college students are currently covered by a health plan that
their parents provide.
Healthy Exchange. Many expect for this to continue after school ends. Nearly six in ten (56%) college
students believe they will have health insurance the day after they graduate.
More male than female college students (65% vs. 47%) anticipate being covered by health insurance
the day after graduation.
Bleak Prospects. Unfortunately, less than a third (30%) of current college students are confident that
they’ll have a job lined up before they graduate – and the rest estimate it’ll take about 5 months to earn
employment after receiving their diploma.
Parental Providers. So it follows, then, that a great deal of American parents are likely to find
themselves supporting their children after the final tuition bill is paid. Seven in ten (70%) college students
covered under their parents assert that their folks would likely buy them a health plan if they were no
longer eligible for coverage after school ends.
If You Were No Longer Eligible For Coverage On Your
Parent's Health Insurance Plan After Graduating
College, How Likely Or Unlikely Is It That They Will
Purchase Health Insurance For You?*
Likely Net
70%
Unlikely Net
30%
*Among Respondents Who Are Currently Covered Under Their Parent’s Health Plan
More young men than women (76% vs. 65%) are confident their parents will provide for them in this
way if necessary.
7. eHealthInsurance College Students Survey - NewsWorthy Analysis | May 2009 Page 7 of 14
APPENDIX: TOPLINE RESULTS
Sample: 532 Nationally Representative American College Students
This survey is being conducted by Kelton Research, a leading national public opinion company. We are
not trying to sell you anything, but would like to ask you a few questions for a national opinion study, the
results of which will appear in the nation’s leading media outlets in the coming weeks. Your answers will
be confidential and anonymous.
1. Which of the following best describes you?
Response Total %
I’m Currently Covered By My Parent’s 284 53%
Health Insurance Policy
I’m Currently Covered By A Health 52 10%
Insurance Policy That I Pay For Myself
I’m Currently Covered By A Student 40 8%
Health Insurance Plan
I’m Currently Covered By An Individual 35 7%
Health Insurance Policy Paid For By
My Parents
I’m Currently Covered By A 26 5%
Government Or Public Health Insurance
Plan, Such As Medicaid
I Currently Have No Insurance 72 14%
I Don’t Know 23 4%
2. Are one or both of your parents unemployed? (AMONG RESPONDENTS WHO ARE COVERED BY
THEIR PARENTS)
Response Total %
Yes 87 27%
No 225 71%
I Don’t Know 3 1%
Not Applicable 4 1%
All decimals are rounded to the nearest percentage point. This may result in certain numerical totals adding up to
slightly more or slightly less than 100%
8. eHealthInsurance College Students Survey - NewsWorthy Analysis | May 2009 Page 8 of 14
3. To the best of your knowledge, is at least one of your parents using COBRA to maintain their
healthcare coverage from their previous job? (AMONG RESPONDENTS WHO ARE COVERED BY
THEIR PARENTS WHO ARE UNEMPLOYED)
Response Total %
Yes 13 15%
No 43 49%
I Don’t Know 31 36%
4. To the best of your knowledge, will you have health insurance the day after you graduate college?
Response Total %
Yes 297 56%
No 66 12%
I Don’t Know 169 32%
5. If you could only receive one of the following as a college graduation present, which would it be?
Response Total %
A New Car 139 26%
A Trip With Family Or Friends 99 19%
Money To Spend On Expenses Such As 88 17%
Groceries Or Gas
Health Insurance 77 14%
Money To Spend On Rent 63 12%
Large Electronics Such As A Computer, 42 8%
TV, Or Gaming System
Small Electronics Such As A Cell Phone 11 2%
Or GPS
Sporting Equipment Such As A Bicycle 7 1%
Or Snowboard
A Gift Certificate Or Shopping Spree For 6 1%
Clothing Or Beauty Products
9. eHealthInsurance College Students Survey - NewsWorthy Analysis | May 2009 Page 9 of 14
6. Which of the following do you think you’re likely to spend most of your time doing during the first
6 months after graduation?
Response Total %
Working At A Job That Matches 234 44%
My Qualifications
Working At A Job That I Am 82 15%
Overqualified For
Working At A Paid Internship 75 14%
Volunteering 41 8%
Traveling 28 5%
Working At A Job That I Am Under- 22 4%
Qualified For
Consulting, Freelance Work, Or Going 15 3%
Into Business For Myself
Working At An Unpaid Internship 13 2%
Other 22 4%
7. How confident are you that you’ll find a job that’s related to your major when you graduate?
Response Total %
Extremely Confident 211 40%
Somewhat Confident 261 49%
Confident Net 472 89%
Not Very Confident 51 10%
Not At All Confident 9 2%
Not Confident Net 60 11%
8. About how many months do you think it will take for you to get a job after graduating college?
Your best guess is fine.
Average = 5 Months
Response Total %
1-2 Months 87 16%
3-6 Months 192 36%
7-12 Months 37 7%
13 Months Or More 11 2%
I Think I Will Have A Job Lined Up 159 30%
Before Graduating College
I Already Have A Job Lined Up For 46 9%
After I Graduate College
10. eHealthInsurance College Students Survey - NewsWorthy Analysis | May 2009 Page 10 of 14
9. How likely or unlikely do you think it will be that your first job after graduating college will provide
you with healthcare benefits?
Response Total %
Extremely Likely 181 34%
Somewhat Likely 269 51%
Likely Net 450 85%
Not Very Likely 65 12%
Not At All Likely 17 3%
Not Likely Net 82 15%
10. If you were no longer eligible for coverage on your parent’s health insurance plan after graduating
college, how likely or unlikely is it that they will purchase health insurance for you? (AMONG
RESPONDENTS WHO ARE COVERED BY THEIR PARENTS)
Response Total %
Extremely Likely 81 25%
Somewhat Likely 143 45%
Likely Net 224 70%
Not Very Likely 74 23%
Not At All Likely 21 7%
Not Likely Net 95 30%
11. If you had to choose one, which of the following would you rather do for the first year after you
graduate college?
Response Total %
Live With Your Parents 325 61%
Go Without Health Insurance 207 39%
12. If you had to choose one, which of the following would you rather do for the first year after you
graduate college?
Response Total %
Live With Your Parents And Be Able To 332 62%
Afford Health Insurance
Live On Your Own And Go Without 200 38%
Health Insurance
13. Which of the following would you rather do after graduating college?
Response Total %
Take A Job I Like, Even If It Doesn’t 364 68%
Provide Healthcare Benefits
Take A Job I Don’t Like That Does 168 32%
Provide Healthcare Benefits
11. eHealthInsurance College Students Survey - NewsWorthy Analysis | May 2009 Page 11 of 14
14. Which of the following would you be willing to give up if you had to cut back on your spending
after graduating college? Please choose all that apply.
Response Total %
Magazine Subscriptions 385 72%
Eating Out 366 69%
Gym Membership 336 63%
Video Game System 312 59%
Cable TV 258 48%
Credit Cards 257 48%
Having My Own Apartment 164 31%
Having My Own Car 99 19%
Health Insurance 83 16%
My Own Cell Phone, Smartphone, 71 13%
Or PDA
Internet Access 64 12%
None Of These 14 3%
15. Which of the following benefits would most likely be non-negotiable for you when evaluating a
potential job, meaning you would consider passing on the job if these benefits were not included
or undesirable?
Response Total %
Health Insurance 156 29%
A Flexible Schedule Such As Non- 85 16%
Traditional Hours Or Being Able To
Work From Home
401(k) Or Other Retirement Accounts 81 15%
The Commute Or The Office’s Location 67 13%
Vacation Time 63 12%
Gym Memberships 30 6%
Corporate Culture 29 5%
Your Potential Title 21 4%
12. eHealthInsurance College Students Survey - NewsWorthy Analysis | May 2009 Page 12 of 14
16. If you were to purchase a private health insurance plan on your own, which of the following
benefits do you think would be automatically included? Please choose all that apply.
Response Total %
Basic Preventive Care Such As Doctor 390 73%
Visits, X-Rays, And Screenings
Emergency Room Visits For Needs Such 368 69%
As Broken Limbs, Car Accidents, Or
Asthma Attacks
Prescription Drug Coverage 326 61%
Maternity Coverage, Including Pre- 215 40%
Natal Care And Delivery For You Or
Your Partner
Emergency Care When Out Of 142 27%
The Country
Psychiatric Care 124 23%
Other 5 1%
None Of These 14 3%
17. To the best of your knowledge, about how much would you expect to pay each month for a
private health insurance plan? Please assume a plan that covers benefits such as prescription
drugs, preventive screenings, and emergency room visits. Your best guess is fine.
Average = $268
Response Total %
Less Than $100 62 12%
$100-$299 102 19%
$300 Or More 61 11%
I Don’t Know 307 58%
13. eHealthInsurance College Students Survey - NewsWorthy Analysis | May 2009 Page 13 of 14
18. Please name all of the types of costs you would need to be aware of if you were to purchase your
own health insurance policy.
Response Total %
Prescription Drugs 90 17%
Co-Pay 87 16%
Check-Ups/Doctor Visits 73 14%
Emergency Room Visits 63 12%
Monthly Fees 52 10%
Hidden Or Extra Fees 48 9%
Premium 46 9%
Specialist Fees (Dental, Eyecare, 34 6%
Psychologist, Etc.)
Deductible 33 6%
Taxes 6 1%
Changes In Insurance Rates 5 1%
Injuries/Accidents 4 1%
Annual Out Of Pocket Maximum 2 -
Lifetime Coverage Limit 1 -
Don’t Know 115 22%
No Answer 167 31%
19. Which of the following health insurance terms are you confident that you can define? Please
choose all that apply.
Response Total %
Co-Pay 282 53%
Deductible 218 41%
Premium 156 29%
Annual Out Of Pocket Maximum 121 23%
Lifetime Coverage Limit 120 23%
Co-Insurance 80 15%
None Of These 91 17%
20. Which of the following better describes how you feel about receiving health insurance from
an employer?
Response Total %
I’d Prefer to Find A Health Insurance 334 63%
Plan On My Own And Keep It
Regardless Of Where I Work
I’d Prefer To Change Health Insurance 198 37%
Plans Every Time I Change Jobs
14. eHealthInsurance College Students Survey - NewsWorthy Analysis | May 2009 Page 14 of 14
21. Have you visited a general doctor for regular preventive care or a check-up in the past 2 years?
Response Total %
Yes 429 81%
No 103 19%
22. Have you visited an emergency room for yourself in the last 4 years?
Response Total %
Yes 240 45%
No 292 55%
23. Which of the following best describes where you receive the majority of the news you read?
Response Total %
Internet News Sources Such As 128 24%
CNN.com And WSJ.com
Local TV news 120 23%
Cable TV News 111 21%
Newspapers 53 10%
Search Engines Such As Google 46 9%
Radio News 31 6%
News Magazines Such As Newsweek 18 3%
And TIME
Social Media Sites Such As Facebook, 16 3%
Twitter, And MySpace
Blogs Not Associated With Internet 9 2%
News Sources
24. Are you planning to attend graduate school after graduating college?
Response Total %
Yes 350 66%
No 182 34%
Methodological Notes:
The College Students Survey was conducted by Kelton Research between April 21st and April 28th, 2009
using an email invitation and an online survey.
Results of any sample are subject to sampling variation. The magnitude of the variation is measurable
and is affected by the number of interviews and the level of the percentages expressing the results.
In this particular study, the chances are 95 in 100 that a survey result does not vary, plus or minus, by
more than 4.3 percentage points from the result that would be obtained if interviews had been conducted
with all persons in the universe represented by the sample.