The purpose of the 2020 Dual Eligible Member Study is twofold. First, the study aims to understand more about who Dual Eligible and Low-Income Non-Dual consumers are—what are their pain points regarding health care and finances? How confident are they in navigating insurance? How well do they understand basic insurance concepts?  Answers to these questions support health insurer understanding of need in order to craft more relevant outreach.

The second aim of the study is to measure and trend shopping and switching behaviors among this unique group of Medicare consumers, with an eye towards drawing parallels to the general Medicare non-Dual population studied in the 2020 Medicare Shopping and Switching Study. The research questions addressed include: How do low-income and Dual seniors compare to the general Medicare population in their rates of switching? To what extent do they rely on the same or different shopping channels? What product considerations do these seniors make when ultimately choosing coverage? This information helps marketers reach these seniors, and product teams prioritize features in their plan design efforts.

• 1,270 total respondents completed the study:
• 407 full benefit Duals
• 312 partial benefit Duals
• 551 Low-Income Non-Dual members with household incomes below 150% of the Federal Poverty Level (FPL)
• 461 confirmed “I do not get any help with my Medicare costs”
• 90 not sure of receiving any help for Medicare costs

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