Health Insurance Plan-Design Trends for Group and Individual Markets

Table of Contents

Key Plan-Design Trends Among Employers

• Employers Join Congress in Reforming Health Insurance, Wellness Landscape
• Employers Are Turning to Higher Deductibles, Limited Benefits
• Few Employers Will Alter 2010 Plan Designs, But Some Will Try New Cost-Cutting Moves
• Savvy Employers Are Launching Their Own ‘Reform’ Tactics

Account-Based Health Plans

• Employers to Boost Use of CDH, Penalties to Cut Costs in 2011
• HSA Balances Are Growing, but So Are Deductibles, Study Finds

Individual Health Plans

• COBRA Subsidy Gives Health Insurers New Opportunity to Promote Individual Products
• In Individual Market, Direct Marketing Is Key Retention Tool
• Plans Fall Short in Communication Efforts With Members, Study Finds
• In Economic Downturn, Student Health Coverage Is One Bright Spot for Plans
• With Individual Markets Expanding, Some Plans Hope Retail Stores Can Ring Up Sales
• Individual Mandate Prompts Insurers to Beef Up Product Portfolios
• New Firms Offer Insurance Alternatives, Look to Tap Uninsured, Underinsured Market
• Brokers Pair High Deductibles With Creativity to Reduce Rates

New Trends in Health Coverage

• ‘Next Big Thing’ in Plan Design Offers Rich Benefits to Ill Members
• Downturn, Shifting Client Demand Pushes Plans to Boost Product-Development Efforts
• Health Plan CEOs Offer Outlook for Reform, New Products and Coverage Trends in 2010

Wellness Initiatives

• Focus on Prevention, Wellness Is Needed, but Challenges Remain
• Health Plan Trends for 2010: More Cost Shifting, ‘Aggressive’ Emphasis on Wellness
• Improved Health Must Be Part of Reform, Safeway CEO Says
• Plans, Employers Join Obama in Targeting Tobacco, Using ‘More Sticks Than Carrots’
• Health Plan’s Enrollees Drop 200,000+ Pounds
• Insurers, Lawmakers Weigh Strategies to Combat Obesity; Costs Now Rival Cancer
• BCBSA Child Obesity Pilot May Be Rolled Out Nationally in Late 2010
• Corporate Strategy Must Be Part of Wellness Initiatives, Coke Says

Written By

This book was written by the editorial staff of AIS.

Written For

• HMOs, PPO and POS plans
• Insurers
• Employers
• Hospitals and health systems
• Group practices
• Other providers

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