Beginning March 29: To help insurance agents and financial advisors like you guide clients in making critical wealth, health and life decisions we will be moving our coverage from to

Our comprehensive coverage will help you expand your knowledge base and adapt a new client-centric approach that incorporates both insurance and investment solutions.

ThinkAdvisor’s new Life/Health channel is your roadmap to thriving in a disrupted environment.


Filed Under:Markets, Employee Benefits

Switching of employer health plans is declining

The number of non-elderly Americans who switched employer-sponsored health insurance plans dipped by nearly five percentage points between 2003 and 2010, a new survey shows.

The National Institute for Health Care Reform, Washington, D.C., discloses this finding in a January 2013 Research Brief. The report recaps findings from a national study by the Center for Studying Health System on employer-provided health plans.

The report indicates that about one in eight (12.8 percent) nonelderly Americans with employer coverage switched health plans in 2010. This is down from one in six (17.2 percent) in 2003.

When asked why they switched from one employer-sponsored health insurance plan to another during the previous 12 months, 5.1 percent of the respondents in both 2010 and 2003 pointed to a change in jobs. Health plan changes attributed to “other reasons” were cited by 7.5 percent of respondents in 2010, down from 12 percent in 2003.

Among the other reasons cited, respondents said their employer changed health insurance plan offerings (62.7 percent in 2010 versus 65.5 percent in 2003); changed the plan to reduce costs (23 percent in 2010 vs. 20.3 percent in 2003), and changed the plan for better quality (10.9 percent in 2010 versus 11.7 percent in 2003).

Among survey respondents from 2010 who changed health insurance plans for reasons other than a change in jobs, 9 percent had no adult family member with a chronic condition. This compares with 7.9 percent and 4.5 percent, respectively, of respondents who (a) had at least one adult family member with one chronic condition; or (b) had at least one adult family member with two or more chronic conditions.

Additionally, 8.4 percent of the 2010 respondents who switched health insurance plans for reasons other a job change indicated that all adults in their family had excellent or good health. This compares with just 5 percent of respondents who noted that at least one adult family member had fair or poor health.

Featured Video

Most Recent Videos

Behind the scenes with Vicki Gunvalson [VIDEO]


In this exclusive interview, Vicki Gunvalson shares how she built a $15 million a year annuity business by planning for...

Regulator: Market may need to reinvent LTCI


Cioppa says Maine's governor wants to spur the creation of better products.

Dementia: It's more than Alzheimer's


An association calls for policymakers to remember lesser-known neurodegenerative conditions.

Protesters Disrupt WellPoint Annual Meeting


Hecklers call for more disclosures of information about political contributions.

Related resources

More Resources


Power your business with up-to-the-minute insurance news, analysis, and best practices from LifeHealthPro Daily eNewsletter – FREE.

Power your business with LifeHealthPro Daily eNewsletter – FREE.

Enter a valid email address.
Nichole Morford

Nichole Morford
Managing Editor

Thank you for subscribing to LifeHealthPro Daily!

Check Out More eNewsletters Now! Close

Advertisement. Closing in 15 seconds.