It may seem like common sense to purchase a health coverage online through a website. However, while we may seem like an “online nation”, there are many people, believe it or not, who do not have regular access to the Internet. Some individuals still make the call to an agent in order to obtain health insurance coverage. However, personal insurance purchases on the web are starting to become much more common according to a publication on Government Health IT entitled “Study: Consumers shift to online health plan enrollment.” In fact, many recent studies conducted by some of the top research and analysis firms are showing a major shift in this trend.
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There are many websites available that offer health insurance quotes and online insurance enrollment. Many studies have been conducted in the last couple of years to see just how people are obtaining health coverage. To much surprise, the findings show a twenty-three percent increase in the amount of people purchasing health insurance online, without an agent, as opposed to over the phone through a health insurance professional. This is large increase, showing that, not only are people becoming more savvy about technology, but that they are more educated about their health plan options. It appears that either people do not have as many questions about health coverage or that websites have become more informative and are able to answer the questions that consumers have about health plans. If this trend continues, many health insurance agents may struggle to survive in the business. Especially considering that, because of the new “Obama-care” health care reform, many insurance carriers have lowered agent commissions. This has already lowered the number of active health insurance professionals.