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This weekly series explores breaking news and developments in the US health care industry, examines key issues facing life sciences and health care companies and provides updates and insights on policy, regulatory and legislative changes. 


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Retail Consumerism

Health Plans

The new retail market for health insurance makes competing a two-stage proposition—win consumers on your health plan’s value proposition, but keep them based on the right consumer experience. Because products will become more standardized and consumers are becoming more discerning and informed, price and innovation are the keys to getting them in the door. But because those consumers will have more choices, health plans also have the opportunity to win them as customers for life.

​A “sticky” proposition

ACA-mandated offerings and consumer choice are driving a new focus on price. So health plans need to attack premiums from all angles, such as channel effectiveness, medical cost management and operational excellence.

Meanwhile, the new retail market means that, as plans depend more on individual customer loyalty, they have to excel at service and engaging consumers. Like other retailers, a health plan has to understand what the customer values to offer a leading service experience.

How can you create moments that matter for savvy shoppers while still meeting competitive price points? Can your current technology support the new data flows that meaningful and rewarding customer interactions will require?

To appeal to consumers in the short-term, target attractive price points. To get consumers to stick by you, give them an ongoing experience that sets you apart.

​Retail consumerism: Price wins customers. The consumer experience keeps them.

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Learn more about the Retail consumerism

The right consumer experience can make the long-term difference. Over time, as consumers make trade-offs and prices stabilize, understanding consumer behaviors, needs and preferences will make your offerings “sticky.” These preferences, as well as your ability to execute flawlessly at each customer touch point, can drive retention, growth, and profitability over the longer term.

Read more about the customer experience difference. Download the report.

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About the Deloitte Center for Health Solutions

About the Deloitte Center for Health Solutions: The source for health care insights.


Retail Consumerism: Healthcare Marketplace

Find out how Deloitte can help with new opportunities created by the individual market, by evaluating new capabilities and changes to the way plans work.


Health Insurance Exchanges

Find out how health plans can gain advantages by using broad insight to understand their experience operating in the Health Insurance Marketplace


Life Sciences

Learn more about the solutions we offer life sciences companies as they adapt in an era of transformation. 


Health Plans

Our Health Plans practice offers a range of solutions to help organizations make the most of post-reform market opportunities.


Susan Novak

Senior Manager | Life Sciences & Health Care


Paul Lambdin

Director | Life Sciences & Health Care

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