Panel Report

Agent/Broker Community Opinion on Health Care Exchanges and Health Care Reform
Mary A. Boyce, FLMI Group Product Research (860) 298-3926 mboyce@limra.com

Health Care Exchanges and Health Care Reform 2011 Data

Agent/Broker Community Opinion on Health Care Exchanges and Health Care Reform
Mary A. Boyce, FLMI Group Product Research (860) 298-3926 mboyce@limra.com

2011, LL Global, Inc.SM This publication is a benefit of LIMRA membership. No part may be shared with other organizations or reproduced in any form without LL Globals written permission. 009059-1011 (755-4G-0-P15)

Health Care Exchanges and Health Care Reform 2011 Data

Health Care Exchanges and Health Care Reform

The Patient Protection and Affordable Act, passed in 2010, has the potential to significantly impact both health insurance carriers and producers who sell individual or group health products. During June and July 2011, LIMRA surveyed employee benefits producers regarding their knowledge and opinions of health insurance reform, health care exchanges, and the impact of reform on the sales of health insurance and other products. The findings reported here are based on the responses of 263 members of LIMRAs Group Producer Panel. Responding producers who work in the microemployer market (fewer than 10 employees) are more likely to sell individual products in the small business and individual retail market as compared with those who sell in the large employer market (100 or more employees). Producers in the large employer market are more likely to sell individual products at the worksite. Nine in 10 producers expect health insurance reform to be implemented, with 8 in 10 indicating that it will be implemented in a reduced form. Most of the producers are knowledgeable about the features of health care reform. Seven in 10 producers are knowledgeable about the timeline and the provisions regarding employer requirements for health insurance. Just over half the producers are knowledgeable about the provisions regarding insurance carrier requirements and the provisions regarding individual requirements for health insurance. Producers believe that health care reform will have a negative impact on the industry and on their own business with regard to selling both group and individual medical insurance. The majority of producers are neutral about the impact health care reform will have on selling other products. Seven in 10 producers are somewhat or very interested in becoming health care exchange navigators professionals who help individuals buy insurance through the health care exchange; however, only one fourth are knowledgeable about the role of navigators in the health care exchanges. Of producers interested in becoming navigators, most are interested in both the individual and small business exchange markets. Of note is that fewer than 1 in 5 producers are currently involved in their state committees/consultation groups that deal with the health care exchanges. Half the producers are knowledgeable about the health care exchange timeline and slightly fewer (4 in 10) are knowledgeable about health care exchange eligibility rules and the requirements for individual and small business markets. The producers are least knowledgeable about the compensation options for navigators, where 7 in 10 producers are not knowledgeable. Despite this lack of knowledge, the producers do believe that health care reform will have a negative impact on broker/producer/agent compensation, and those who are not interested in becoming navigators indicate that the compensation structure is unsatisfactory. The majority of producers mentioned compensation when asked, What will encourage you to work at the state health care exchange?

2011, LL Global, Inc.SM |

Health Care Exchanges and Health Care Reform 2011 Data

Adopting a new compensation plan would be the most difficult state-specific procedure for working at the exchanges, according to one third of the producers. Nearly half the producers do not think the health care exchanges will compensate navigators fairly and slightly more than half the producers are unsure whether they will. The majority of producers believe that insurance carriers, producer/broker professional associations or the state exchange regulator should be helping agents/brokers prepare to work for the state health exchanges. The producers prefer seminars/group training (77 percent) and are slightly less likely to prefer online training (60 percent) or in-person training (56 percent) to prepare them to work for the state health care exchanges. Half of producers say they are likely to expand into voluntary benefits as a result of health care reform. Other likely steps include expanding customer service to include diversified counseling and advising and expanding services to small companies by helping them with insurance or retirement plans. Most producers do not plan to stop selling medical insurance, although they are slightly more likely to stop selling individual medical. The steps producers are least likely to take are to reduce customer service or expand into new financial services such as investment planning. Two thirds of the producers expect their product mixes to change over the next three to five years, with most of them planning to add rather than eliminate products. The most common products the producers expect to add are critical illness and long-term care insurance. The producers also expect that one third of their clients, on average, will switch to the health care exchanges.

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Health Care Exchanges and Health Care Reform 2011 Data

About You
Question
Approximately how many contracts or policies did you sell during the past 12 months?

Average Size of Typical Group Insurance Client All Producers Fewer than 10 employees 10 to 99 employees 100 or more employees

Response

Percent of Respondents Who Sold Group Insurance Contracts*

Hospital/Medical insurance Dental plans Life insurance Disability insurance (STD or LTD) Vision care Accidental Death & Dismemberment Accident insurance Annuity/Retirement products Critical illness Cancer insurance Long-term care insurance Investments Other 77% 71 69 65 55 42 18 18 18 17 16 9 3 86% 66 53 46 49 24 9 10 1 4 10 6 0 78% 76 77 74 57 50 20 23 21 20 19 12 3 62% 64 74 68 62 43 28 13 34 30 17 2 4

Approximately how many contracts or policies did you sell during the past 12 months?

Percent of Respondents Who Sold Individual Insurance Policies*

Life insurance Hospital/Medical insurance Annuity/Retirement products Disability insurance (STD or LTD) Long-term care insurance Dental plans Investments Vision care Cancer insurance Accident insurance Critical illness Accidental Death & Dismemberment Other 72% 60 35 42 34 28 18 14 13 11 10 6 2 83% 81 56 31 39 53 21 24 11 11 10 4 1 76% 61 34 51 38 22 20 12 12 11 10 8 3 49% 28 13 32 13 13 6 4 19 11 11 2 2

*Based on respondents able to provide the data

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Health Care Exchanges and Health Care Reform 2011 Data

About You
Question
What is the average size of your typical group insurance client?

Average Size of Typical Group Insurance Client All Producers Fewer than 10 employees 10 to 99 employees 100 or more employees

Response

Percent of Responses*
Fewer than 5 employees 5 to 9 employees 10 to 19 employees 20 to 99 employees 100 to 499 employees 500 to 999 employees 1,000 to 1,499 employees 1,500 to 2,499 employees 2,500 employees or more 5% 21 19 37 11 4 1 + 2 20% 80 NA NA NA NA NA NA NA NA NA 34% 66 NA NA NA NA NA NA NA NA NA 60% 21 4 2 13

If you are selling individual insurance products, please indicate which markets you currently target for individual product sales. (Multiple responses allowed)
NA = Not applicable +Less than 1/2 of 1 percent

Percent of Responses*
Small business Individual retail market Worksite 70% 61 42 72% 83 22 77% 58 40 42% 23 90

*Based on respondents able to provide the data

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Health Care Exchanges and Health Care Reform 2011 Data

Health Care Reform Impact

Question
Do you expect health insurance reform to be implemented?

Average Size of Typical Group Insurance Client Fewer than 10 employees 10 to 99 employees 100 or more employees

Response

All Producers Average*

Yes, in its current form Yes, in a reduced form No, it will be repealed

9% 77 14

7% 78 15

8% 77 15

13% 76 11

How knowledgeable are you about the following 2010 health care reform features?

Percent of Responses*
Health care reform timeline Very knowledgeable Knowledgeable Somewhat knowledgeable Not very knowledgeable Not at all knowledgeable 34% 36 27 2 1 25% 35 40 0 0 36% 39 21 4 0 41% 28 26 0 5

Health care reform provisions regarding employer requirements for health insurance Very knowledgeable Knowledgeable Somewhat knowledgeable Not very knowledgeable Not at all knowledgeable 29% 38 29 3 1 19% 39 41 1 0 31% 40 23 6 0 35% 28 33 0 4

Health care reform provisions regarding insurance carrier requirements for health insurance Very knowledgeable Knowledgeable Somewhat knowledgeable Not very knowledgeable Not at all knowledgeable 19% 34 34 11 2 17% 28 39 15 1 19% 38 31 11 1 24% 28 37 7 4

Health care reform provisions regarding individual requirements for health insurance Very knowledgeable Knowledgeable Somewhat knowledgeable Not very knowledgeable Not at all knowledgeable *Based on respondents able to provide the data 17% 34 34 13 2 20% 32 35 13 0 18% 38 31 12 1 11% 24 41 17 7

2011, LL Global, Inc.SM |

Health Care Exchanges and Health Care Reform 2011 Data

Health Care Reform Impact

Question
What impact do you think health care reform will have with regard to the following?

Average Size of Typical Group Insurance Client Fewer than 10 employees 10 to 99 employees 100 or more employees

Response

All Producers

Percent of Responses*
The industry overall with regard to: Selling group medical insurance Strong positive Positive Neutral Negative Strong negative Selling group life insurance Strong positive Positive Neutral Negative Strong negative Selling group disability insurance Strong positive Positive Neutral Negative Strong negative Selling group critical illness insurance Strong positive Positive Neutral Negative Strong negative Selling group long-term care insurance Strong positive Positive Neutral Negative Strong negative 2% 19 57 17 5 3% 17 53 21 6 1% 20 57 16 6 4% 19 60 17 0 2% 29 45 19 5 2% 21 49 19 9 1% 30 45 19 5 7% 41 35 17 0 1% 14 64 17 4 0 16% 61 17 6 2% 13 65 16 4 0 20% 60 20 0 2% 10 68 16 4 0 13% 67 16 4 3% 8 68 16 5 0 13% 70 17 0 + 5% 4 58 33 0 9% 4 51 36 1% 4 4 57 34 0 4% 2 70 24

*Based on respondents able to provide the data +Less than 1/2 of 1 percent

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Health Care Exchanges and Health Care Reform 2011 Data

Health Care Reform Impact

Question
(continued) What impact do you think health care reform will have with regard to the following?
The industry overall with regard to: Selling group dental insurance Strong positive Positive Neutral Negative Strong negative Selling individual medical insurance Strong positive Positive Neutral Negative Strong negative Selling other products Strong positive Positive Neutral Negative Strong negative Your business overall with regard to: Selling group medical insurance Strong positive Positive Neutral Negative Strong negative Selling group life insurance Strong positive Positive Neutral Negative Strong negative *Based on respondents able to provide the data 2% 12 61 18 7 2% 5 11 48 34 5% 15 38 29 13 4% 23 9 33 31 0 16% 62 18 4

Average Size of Typical Group Insurance Client Fewer than 10 employees 10 to 99 employees 100 or more employees

Response

All Producers

Percent of Responses*

0 15% 62 17 6

0 18% 60 17 5

0 13% 67 20 0

4% 27 9 28 32

5% 20 9 34 32

0 24% 11 41 24

3% 13 47 27 10

6% 13 34 28 19

7% 29 28 36 0

1% 6 6 51 36

1% 3 13 48 35

2% 11 16 42 29

3% 9 61 20 7

2% 12 61 17 8

0 20% 64 16 0

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Health Care Exchanges and Health Care Reform 2011 Data

Health Care Reform Impact

Question
(continued) What impact do you think health care reform will have with regard to the following?
Your business overall with regard to: Selling group disability insurance Strong positive Positive Neutral Negative Strong negative Selling group critical illness insurance Strong positive Positive Neutral Negative Strong negative Selling group long-term care insurance Strong positive Positive Neutral Negative Strong negative Selling group dental insurance Strong positive Positive Neutral Negative Strong negative Selling individual medical insurance Strong positive Positive Neutral Negative Strong negative *Based on respondents able to provide the data 4% 18 20 30 28 1% 14 57 21 7 2% 15 59 17 7 2% 23 51 17 7 3% 15 58 17 7

Average Size of Typical Group Insurance Client Fewer than 10 employees 10 to 99 employees 100 or more employees

Response

All Producers

Percent of Responses*

6% 7 56 24 7

2% 16 59 15 8

2% 23 61 14 0

9% 17 62 9 3

1% 26 49 15 8

4% 33 40 22 0

3% 12 57 17 11

1% 18 58 16 7

4% 11 65 20 0

1% 10 58 24 7

1% 15 56 20 8

2% 14 59 23 2

6% 12 14 34 34

4% 21 19 28 28

0 19% 33 31 17

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Health Care Exchanges and Health Care Reform 2011 Data

Health Care Reform Impact

Question
(continued) What impact do you think health care reform will have with regard to the following?
Your business overall with regard to: Selling other products Strong positive Positive Neutral Negative Strong negative 4% 9 46 23 18

Average Size of Typical Group Insurance Client Fewer than 10 employees 10 to 99 employees 100 or more employees

Response

All Producers

Percent of Responses*

11% 4 48 26 11

0 12% 40 23 25

10% 10 60 20 0

Overall broker/producer/agent compensation Strong positive Positive Neutral Negative Strong negative 1% 3 7 38 51 2% 3 3 41 51 0 4% 8 39 49 2% 0 10 37 51

The 2010 Patient Protection and Affordable Care Act established state-run health care exchanges for eligible individuals and small businesses to obtain medical coverage. The health care exchanges have legislative provisions for navigators professionals to help individuals buy insurance products through the health care exchange. The role of navigators currently includes: conducting public education activities, distributing information on enrollment in health plans and facilitating enrollment. How interested are you in becoming a navigator?

Percent of Responses*
Very interested Somewhat interested Not at all interested 32% 41 27 31% 44 25 34% 39 27 23% 45 32

*Based on respondents able to provide the data

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Health Care Exchanges and Health Care Reform 2011 Data

Health Care Reform Impact

Question
How interested are you in acting as a navigator for individual market exchanges and/or small business market exchanges?

Average Size of Typical Group Insurance Client Fewer than 10 employees 10 to 99 employees 100 or more employees

Response

All Producers

Percent of Responses*
Interested in serving as a navigator in the individual exchange market only Very interested Interested Somewhat interested Not very interested Not at all interested 19% 15 23 21 22 29% 27 19 10 15 15% 11 28 22 24 10% 14 10 35 31

Interested in serving as a navigator in the small business exchange market only Very interested Interested Somewhat interested Not very interested Not at all interested 30% 25 29 10 6 29% 34 22 8 7 32% 21 32 10 5 21% 27 31 14 7

Interested in serving as a navigator in both the individual and small business exchange market Very interested Interested Somewhat interested Not very interested Not at all interested *Based on respondents able to provide the data 34% 27 25 13 1 38% 33 21 6 2 35% 27 27 11 0 23% 16 26 32 3

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Health Care Exchanges and Health Care Reform 2011 Data

Health Care Reform Impact

Question
How knowledgeable are you about the following health care exchange features?

Average Size of Typical Group Insurance Client Fewer than 10 employees 10 to 99 employees 100 or more employees

Response

All Producers

Percent of Responses*
Health care exchange timeline Very knowledgeable Knowledgeable Somewhat knowledgeable Not very knowledgeable Not at all knowledgeable Health care exchange eligibility rules Very knowledgeable Knowledgeable Somewhat knowledgeable Not very knowledgeable Not at all knowledgeable 14% 25 32 21 8 8% 27 29 22 14 17% 25 31 20 7 16% 25 31 25 3 21% 32 30 12 5 12% 31 35 14 8 23% 33 27 13 4 31% 25 31 10 3

Health care exchange requirements for individual markets Very knowledgeable Knowledgeable Somewhat knowledgeable Not very knowledgeable Not at all knowledgeable 11% 25 31 24 9 8% 25 31 18 18 12% 25 31 25 7 10% 25 31 28 6

Health care exchange requirements for small business markets Very knowledgeable Knowledgeable Somewhat knowledgeable Not very knowledgeable Not at all knowledgeable 14% 27 33 19 7 6% 25 31 22 16 19% 25 34 17 5 13% 29 32 26 0

The role of navigators in health care exchanges Very knowledgeable Knowledgeable Somewhat knowledgeable Not very knowledgeable Not at all knowledgeable *Based on respondents able to provide the data 10% 16 32 30 12 6% 18 29 29 18 12% 15 36 28 9 13% 16 28 34 9

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Health Care Exchanges and Health Care Reform 2011 Data

Health Care Reform Impact

Question
(continued) How knowledgeable are you about the following health care exchange features?

Average Size of Typical Group Insurance Client Fewer than 10 employees 10 to 99 employees 100 or more employees

Response

All Producers

Percent of Responses*
Compensation options for navigators Very knowledgeable Knowledgeable Somewhat knowledgeable Not very knowledgeable Not at all knowledgeable 6% 9 18 35 32 6% 10 14 31 39 7% 8 19 37 29 3% 13 22 37 25

Do you consider yourself prepared to act as a navigator for the health exchanges?

Percent of Responses*
Very prepared Prepared Somewhat prepared Not very prepared Not at all prepared 13% 18 34 25 10 14% 18 29 23 16 13% 22 32 25 8 13% 9 47 25 6

In your opinion, who should be helping agents/brokers prepare to work for the state health exchanges? (Multiple responses allowed)

Percent of Responses*
Insurance carriers Producer/Broker professional associations State exchange regulatory committee Federal exchange regulatory committee Independent training organizations Other 70% 68 65 30 27 4 73% 67 69 31 35 0 70% 69 66 28 22 5 69% 66 56 38 31 6

What type of training would you prefer to receive to prepare to work for the state health exchanges? (Multiple responses allowed)

Percent of Responses*
Seminars/Group training Online training In person Other 77% 60 56 1 78% 55 59 0 76% 64 58 1 81% 61 47 0

*Based on respondents able to provide the data

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Health Care Exchanges and Health Care Reform 2011 Data

Health Care Reform Impact

Question
The health care exchanges are likely to set up state specific procedures for producers/ agents to work at the exchanges. Considering your current knowledge about health care exchanges, how difficult do you think it will be for you to follow these procedures if you decide to work at the exchanges?

Average Size of Typical Group Insurance Client Fewer than 10 employees 10 to 99 employees 100 or more employees

Response

All Producers

Percent of Responses*
State licensing Not at all difficult Not very difficult Somewhat difficult Difficult Very difficult 49% 30 13 7 1 48% 26 18 8 0 48% 32 10 9 1 50% 31 19 0 0

Licensing/Accreditation with majority of insurance carriers operating in the exchange Not at all difficult Not very difficult Somewhat difficult Difficult Very difficult Adopting a new compensation structure Not at all difficult Not very difficult Somewhat difficult Difficult Very difficult Completing navigator training classes Not at all difficult Not very difficult Somewhat difficult Difficult Very difficult 38% 33 22 6 1 44% 22 28 6 0 36% 37 20 6 1 38% 37 19 6 0 15% 21 33 18 13 12% 18 34 22 14 18% 20 30 18 14 6% 25 44 16 9 44% 31 18 5 2 48% 22 22 6 2 41% 34 17 6 2 41% 37 19 0 3

Setting up electronic accounts, including registration for the exchange compensation agency Not at all difficult Not very difficult Somewhat difficult Difficult Very difficult *Based on respondents able to provide the data 27% 32 28 10 3 29% 26 37 6 2 28% 34 24 11 3 19% 37 28 13 3

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Health Care Exchanges and Health Care Reform 2011 Data

Health Care Reform Impact

Question
Do you think that health care exchanges will compensate navigators fairly?

Average Size of Typical Group Insurance Client Fewer than 10 employees 10 to 99 employees 100 or more employees

Response

All Producers

Percent of Responses*
Yes No Not sure 2% 46 52 4% 43 53 1% 48 51 3% 44 53

Are you currently involved in any of your states committees/ consultation groups that are dealing with the health care exchange?

Percent of Responses*
Yes No 17% 83 18% 82 17% 83 16% 84

*Based on respondents able to provide the data

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Health Care Exchanges and Health Care Reform 2011 Data

Business Outlook
Question
How likely are you to take the following steps as a result of health care reform?

Average Size of Typical Group Insurance Client All Producers Fewer than 10 employees 10 to 99 employees 100 or more employees

Response

Percent of Responses*
Will stop selling medical insurance Very likely Likely Somewhat likely Not very likely Not at all likely NA 4% 7 18 22 37 12 5% 7 18 24 46 0 4% 6 19 22 38 11 2% 9 15 17 22 35

Will start selling individual medical insurance Very likely Likely Somewhat likely Not very likely Not at all likely NA 10% 13 13 10 21 33 14% 20 9 6 12 39 10% 13 14 12 20 31 0 7% 17 7 37 32

Will expand services to small companies by helping them with insurance or retirement plans Very likely Likely Somewhat likely Not very likely Not at all likely NA 19% 26 23 8 11 13 22% 25 23 8 11 11 19% 31 24 8 8 10 11% 13 20 11 20 25

Will shift practice toward larger companies with more than 100 employees Very likely Likely Somewhat likely Not very likely Not at all likely NA *Based on respondents able to provide the data 12% 18 23 17 22 8 3% 8 16 25 43 5 12% 24 26 18 16 4 24% 15 22 4 9 26

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Health Care Exchanges and Health Care Reform 2011 Data

Business Outlook
Question
(continued) How likely are you to take the following steps as a result of health care reform?

Average Size of Typical Group Insurance Client All Producers Fewer than 10 employees 10 to 99 employees 100 or more employees

Response

Percent of Responses*
Will expand into voluntary workplace benefits Very likely Likely Somewhat likely Not very likely Not at all likely NA 23% 26 21 11 10 9 11% 15 28 21 14 11 21% 30 23 9 7 10 43% 28 7 2 13 7

Will expand into new financial services such as investment planning Very likely Likely Somewhat likely Not very likely Not at all likely NA Will reduce customer service Very likely Likely Somewhat likely Not very likely Not at all likely NA 3% 7 13 21 50 6 3% 5 15 29 48 0 3% 7 12 21 51 6 0 13% 16 9 49 13 11% 13 10 16 37 13 10% 12 11 19 40 8 8% 16 11 13 36 16 17% 7 7 19 35 15

Will eliminate financial services such as investment planning Very likely Likely Somewhat likely Not very likely Not at all likely NA *Based on respondents able to provide the data 3% 2 5 11 33 46 3% 1 5 14 41 36 4% 2 4 9 34 47 0 2% 9 15 20 54

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Health Care Exchanges and Health Care Reform 2011 Data

Business Outlook
Question
(continued) How likely are you to take the following steps as a result of health care reform?

Average Size of Typical Group Insurance Client All Producers Fewer than 10 employees 10 to 99 employees 100 or more employees

Response

Percent of Responses*
Will expand customer service to include diversified counseling and advising (for example on wellness) Very likely Likely Somewhat likely Not very likely Not at all likely NA 13% 23 27 12 16 9 8% 12 29 17 30 4 12% 30 28 10 12 8 22% 18 22 13 7 18

Over the next 35 years do you expect your product mix to change?

Percent of Responses*
Yes, I expect to add more products Yes, I expect to eliminate some products Yes, I expect to add and eliminate some products No, I do not expect any changes to my product mix Do not know 43% 5 17 13 22 34% 6 25 13 22 45% 5 13 11 26 51% 2 17 17 13

If you are planning to add or drop/eliminate a product to/from your portfolio mix, which product(s) do you think you will add or drop?

Percent of Responses*
Life insurance Add Drop Annuity/Retirement products Add Drop Hospital/Medical insurance Add Drop Investments Add Drop Disability insurance (STD or LTD) Add Drop 31% 2 45% 2 26% 2 27% 0 21% 15 27% 25% 17% 13% 24% 9 18% 15 23% 18 17% 11 15% 18 36% 7 36% 14 39% 4 27% 3 33%% 1 43% 0 28% 1 33% 3

*Based on respondents able to provide the data

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Health Care Exchanges and Health Care Reform 2011 Data

Business Outlook
Question
(continued) If you are planning to add or drop/eliminate a product to/from your portfolio mix, which product(s) do you think you will add or drop?
Dental Plans Add Drop Vision Care Add Drop Accidental Death & Dismemberment Add Drop Accident insurance Add Drop Cancer insurance Add Drop Critical illness Add Drop Long-term care insurance Add Drop Other Add Drop 11% 1 49% 5 53% 8 39% 10 38% 8 28% 7 33% 5 29% 3

Average Size of Typical Group Insurance Client All Producers Fewer than 10 employees 10 to 99 employees 100 or more employees

Response

Percent of Responses*
39% 5 27% 2 21% 3

48% 5%

28% 5%

27% 3%

39% 14

26% 4

18% 3

48% 18

35% 5

33% 3

48% 18

37% 9

33% 3

55% 16

51% 7

58% 3

55% 7

47% 3

45% 9

14% 0

10% 2

9% 0

Approximately what percentage of your clients do you expect to shift to exchanges?

*Based on respondents able to provide the data

Average*
31% 31% 33% 24%

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Health Care Exchanges and Health Care Reform 2011 Data

Business Outlook
Question
If you are not at all interested in working as a navigator at the state health exchanges, can you explain why? (Multiple responses allowed)

Average Size of Typical Group Insurance Client All Producers Fewer than 10 employees 10 to 99 employees 100 or more employees

Response

Percent of Responses*
Compensation structure is unsatisfactory State requirements are too complicated Training process is too complicated 90% 43 30 93% 60 33 92% 39 31 80% 30 20

*Based on respondents able to provide the data

2011, LL Global, Inc.SM |

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2011, LL Global, Inc.SM This publication is a benefit of LIMRA membership. No part may be shared with other organizations or reproduced in any form with LL Globals written permission.
009059-1011 (755-4G-0-P15)