Utilization Estimates: The data on this site is based on a nationwide online survey of eHealth customers. The first survey was conducted in July and August of 2015. More than 6,500 responses were collected. All respondents had previously purchased individual or family health insurance plans through eHealth.com, the company's private online marketplace. Data on this site is updated quarterly with additional responses from new eHealth customers.
Spending Estimates: Customers were first asked if they had any out-of-pocket costs, including deductibles, co-pays, co-insurance and out-of-network costs. Those who responded “yes,” were asked to estimate their total out-of-pocket costs from a range of 15 options, ranging from “$500 or less” up to “$10,000 or more.” To calculate the average out-of-pocket costs for the purpose of this site, eHealth took the middle value in each range of costs. A “$500 or less” answer was worth $250, while a “$10,000 or more” answer was worth $11,600 – the middle value between $10,000 and the $13,200 out-of-pocket maximum per family in 2015). Each middle value was multiplied by the number of times it was selected by a customer to produce the total estimated out-of-pocket costs for respondents in the survey. That total estimated out-of-pocket spending was then divided by the number of responses to the survey to produce an average cost, per response. The same process was used to calculate out-of-pocket spending for prescription drugs. Consumers were given ten options ranging from “$100 or less” to “$5,001 or more.” Only responses from customers on individual plans were counted in the analysis and a “$5,000 or more” answer was calculated at $5,800 – the middle value between $5,000 and the $6,600 out-of-pocket maximum per individual in 2015. State-specific results are included in this report only where the sample of responses from any given state was twenty or greater.
Carrier Ratings: Respondents were invited to rate their insurance company using five satisfaction criteria defined by eHealth. These ratings were based on responses to a voluntary online survey of eHealth customers who purchased individual and family health insurance products. The survey was first conducted in July and August 2015, and more than 6,500 responses were collected. Data on this site is updated quarterly with additional responses from new eHealth customers. This data is not intended to present a comprehensive picture of the self-purchased individual and family health insurance market across the country or in each state. Rather, it provides a snapshot of that portion of the market served specifically by eHealth and that responded to eHealth’s survey invitations. Survey participants provided their responses on a voluntary basis in response to emailed invitations, so the results of this survey may not be fully representative of general consumer sentiment or of eHealth’s entire customer population, either nationally or in any state. While eHealth represents many of the major health insurance companies in most states and offers consumers a choice from more health insurance plans than those available through most state-based government exchanges, the company does not represent every insurance carrier or offer every plan available in every state. As such, satisfaction with insurers that do not market their products through eHealth.com are not addressed on this website.
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*Qualifying consumers received a national average of $272/month in tax credits in the CMS report “March 31, 2015 Effectuated Enrollment Snapshot”
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