Originally Published on April 15th at Outline:
• Are all consumers the same?
• Deloitte/ Four Consumer Classifications
• Trailblazers
o Younger, higher income, excellent health, more men, use report cards of doctors, hospitals, will change doctors if dissatisfied
• Prospectors
o 2nd youngest group, high income, men=women, open to wearable tech & virtual office visits, use quality ratings
• Homesteaders
o 2nd oldest, low income, women men, not open to tech, avg. wellness, convenience OOP, don’t change providers
• Bystanders
o Oldest, poorest, women men, not open to tech, avg. wellness, don’t share info with doctor, least likely to follow healthy diet, choose doctor on OOP and convenience
• Why are we talking about this?
o If consumer can pick their health care option, then who are the consumers, i.e., what types do they fit?
o What do they want?
o With Congress and the States trying to model health care as ACA or an alternative, then what patient types should they consider?
• In actuality, the US already has a multi-tiered health care system –
o Healthy, young people can buy commercial insurance or not
o Poor people and children have Medicaid or County hospitals/clinics for caring for the poor and uninsured
o General Public has the ACA
o Older people have Medicare
o Injuries have Workers Comp
• If we use the Deloitte Consumer Classifications, then we have one method of classifying different patient types.
• For other than Medicaid/Medicare, Workers Comp, and Commercial Insurance, the law of large numbers prevails. To provide insurance for people with pre-existing conditions, healthy and sick people must participate. Options include:
o Modifying the ACA – produced low ER, low hospital, downward drug spend – needs alternative options for healthy individuals
o Aggregating populations with sick and poor to contribute to insurance
o Various per-capita formulae for different segments of the population
o State or Federal government re-insurance programs
o National health care
o Other options
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