A federal agency sought a deeper understanding of insurance decision-making among target Health Insurance Marketplace consumers. When options are available, why do some elect to buy coverage, while others decline?
We found commonalities among the groups — frustration with a complex system and feelings of dread about shopping and paying for health insurance. Those who were uninsured shared a sense of shame about not having coverage. In an unexpected finding, we learned that while many lacked insurance due to cost. Others had clear rationales for remaining uninsured, even when they could afford premiums.
Using our proprietary Discovery Group™ methodology, we conducted focus groups and online bulletin boards with insurance consumers segmented by age and income.