Publishing February 28, 2022


The Individual and Family Plan Shopping and Switching Study delivers critical trend-tracking and analysis of consumer behavior during the market's Open Enrollment season (November - January for most states).  The study's clients gain understanding of how ACA members were brought into coverage and what made the difference when they were selecting a plan -- product design, marketing, and/or sales.

With an extra 20 billion dollars of subsidies available, 2022 is expected to be a landmark year in the history of ACA enrollment.

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Why Invest in Market Research?

  • To better understand the market landscape and your position in it.
  • To measure consumer perception.
  • To gather competitive intelligence.
  • To identify emerging industry trends.
  • To understand why consumers switch health plans and how they go about doing it.

Learn More About the Individual and Family Plan Shopping and Switching Study

Rapid Change in the Marketplace for Individual and Family Plans

IFP enrollment

  • It's a very active market: of those with IFP coverage in 2020, 47% switched health plans in 2021 to get a lower premium or add needed coverage.
  • Marketplace participation among carriers has grown steadily since its low point in 2018, with 22 states experiencing a net increase of one or more on-exchange carriers in 2021, and no states experiencing a net decrease.
  • Average premium changes were minimal between 2020 and 2021, encouraging IFP consumers to remain enrolled.  For a 40-year-old non-smoker, the average pre-subsidy Silver plan premium increased by only $1.
  • Over the course of the 2021, compared to 2020, the number IFP marketplace signups was about 4.8% higher. 




Product Strategy in Zero or Low Premium Markets

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