what is interesting in the study is that the average consumer online shopping for health insurance is subject to what we call the "Exchange effect insurance. "
Following this" Effect ", premiums and deductibles for health insurance schemes sought by occasional buyers are different plans that are actually purchased and are in force. How they differ ? Rewards and franchises are lower for purchased plans.
in other words, there are three major steps to reach the purchase of an insurance scheme health and bonuses average deductible plans chosen at each stage becomes lower and lower
According to the study, the following three steps, which are further defined in the study.
- Step 1: Search
- Step 2: shopping
- Step 3: Purchase
data were obtained from consumers who used the GoHealthInsurance.com service between July 09 and September 09. thus, in total, the survey data from nearly 35,000 buyers.
This is a new thing, this "insurance exchange effect," but there is a clear tendency
See the full study at:. Http://www.gohealthinsurance.com /media/gohealth-the-insurance-exchange.pdf.
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