January 28, 2009

The Next Wave Of Individual Purchasers: The (Recently) Uninsured

This is the second document in the "US Retail Health Insurance" series.

by Carlton A. Doty, Elizabeth Davis

with Carrie Johnson, Kate van Geldern

Executive Summary (This is a document excerpt)

What does the average uninsured person in the US look like? Are there differences among this population? Is there a real market opportunity for healthcare eBusiness managers hoping to gain individual memberships? We see many differences when we compare the uninsured with the non-elderly commercially insured. They're not just younger and less wealthy. We found something more interesting when we segment these people by the duration of their uninsured status: The chronically uninsured (more than two years) burden the average, while the most recently uninsured (less than one year) should be the primary targets for eBusiness and channel managers seeking near-term, profitable growth.

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