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Employers have told Naylor that their employees in the plan aren’t just interested in spending less on premiums, they are becoming far more interested in keeping healthy. Some, for example, have been asking their employers for more and better workplace health and wellness programs.
Are previously uninsured Minnesotans going to find MNsure as easy to navigate as Hubbard’s employees found My Plan? Probably not. There are plenty of differences here, too, not least of which is that My Plan was created by a private health insurer in a group health insurance market that is beat-each-other’s-brains-in competitive.
But My Plan and MNsure are more alike than not, and My Plan’s story shows consumers figuring out how to shop for insurance on an exchange. When they do, they become more interested in keeping healthy than they were, more aware of what health care really costs and more interested in finding lower-cost options.
Maybe this whole health insurance exchange concept has a future.
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