Enroll UX 2014 is an attempt by a public private partnership within the health insurance spectrum, to standardize and enable electronic enrollments. The project had Center for Medicare and Medicaid Services (
Dr. Mark Smith, President and CEO of California HealthCare Foundation (CHCF) mentioned last month- "We live in a digital society. Access to health coverage should be as straightforward as the other transactions people have become accustomed to, whether it's online banking or making travel arrangement"
Unfortunately, US healthcare is not there yet. Case in point - enrollment for health insurance - it was and partially remains, a paper based activity in many states. With additional 40 million+ applicants expected to enroll soon owing to the affordable care act, it needs to be transformed quickly.
Very mention of the word 'Exchange' in the United States is associated with Health reform and the PPACA act, and why not? This is probably one of the most discussed topics today! The Exchange which is supposed to make insurance purchase simple for the majority of uninsured & underinsured population has courted a lot of controversy and issues around implementation costs, self-sufficiency & sustainability, political conflicts, regulatory uncertainty etc. While States & Payers address these issues, they should keep in mind the consumer driven nature of these Exchanges and should design an Exchange from Consumer's perspective, incorporating elements that empower them and facilitate insurance purchase.
Yes, consumers like online comparison, but buying health plans is more complex and invariably requires experts' assistance. Recent survey conducted in the State of Colorado revealed the importance of 'Navigators' in an Insurance Exchange. The study highlighted that people preferred a non-biased opinion/ suggestion/ guidance from the Navigators while choosing a health plan. And, in case they are eligible for State plans, they want Navigators to guide them to those relevant programs. These conclusions validate the importance of Navigators in building an effective exchange.