1. Millennials & Health Insurance Literacy Erin Hemlin, Director of Training and Consumer Education

2. Who is Young Invincibles?

3. What is health insurance literacy?
Today’s Agenda:
What is health insurance literacy?
What are the biggest knowledge gaps for Millennials?
How can we best support the newly insured access care?

4. What we know…
Only 29% of young adults were very or somewhat confident in understanding of key health insurance concepts, compared to 50% for older adults
Consumers with low literacy present similar behaviors as uninsured and delay medical care
Newly insured make incorrect and often unchallenged assumptions about their plan
Health Monitoring Survey: Addressing Data Gaps to Provide Timely Insights into the Affordable Care Act. Health Affairs.
“Health Literacy and Health Insurance Literacy: Do Consumers Know What They Are Buying” Alliance for Health Care Reform, January
For example, many young consumers assume that their current plan covers the same services as their previous plan or believe that using their health benefits will increase premiums.

5. Confusion around: Focus Group Data Health insurance terminology
Billing
Where to go for care
“preventive care”
Mobile resources: we asked a question about telehealth in a few focus groups & whether participants would be interested in that. Many were interested, but didn’t know it might be an option. Many also had not heard of ZocDoc or other online portals to make appointments

6. What’s involved in preventive care?
“Smart decisions & not consistently staying up late”
“Sometimes you need to go to McDonalds late at night, but at least get the healthier option,
the grilled chicken not the burger.”
What are some barriers to preventive care?
“No instant gratification”

7. Key Takeaway 1
“Free preventive care” does not resonate w/ young adults
But, when we broke the term down & gave examples, participants saw the value & were excited they could access these services
Akin to young adults’ response to the phrase “financial assistance available”
Messaging: Help ”young and healthy” Millennials see immediate value in getting covered. You can access preventive services for $0!

8. Cost-sharing is confusing
Key Takeaway 2
Cost-sharing is confusing
Break down and repeat key terms: deductible, co-pay, co- insurance
Provide resources that consumers can take with them: handouts, mobile app
Example: in one focus group, a young women said “the doctor will tell you you need to lose weight and eat better in order to lower my cholesterol, but didn’t tell me how to do that”
Messaging: Let’s look at the whole picture: premium, deductible, out of pocket maximum, etc. before making a final decision

9. facebook.com/together.invincible
Questions?
@YoungInvincible
facebook.com/together.invincible
Erin Hemlin
DC | CA | CO | IL | NY | TX

10. Engaging Millennials in Accessing Health Care Erin hemlin, Director of Training and Consumer education
Agenda:
Strategies to engage young adults
Key Messaging
Outreach Best Practices

11. Know Your Audience Health Care:
Health Care & Millennials?
Health Care & Millennials in Colorado?
Health Care & Millennials in Colorado who are low income?
Why is your issue important to this audience?
Tailor Messaging, Partners, Spaces, Accordingly
Our target demographic during OE4:
Non-traditional students
Community college students
Young people of color
Young men

12. Adults learn differently:
Adult Learning Styles
Adults learn differently:
Visual – pictures & demonstrations
Auditory – discussions, use of videos, reiterating key points
Kinesthetic – practical, case examples
Have a variety of “tools” to explain complex terminology or concepts

13. Key Messaging

14. Key Messages: Based on Cost
Attach monetary value to preventive care services
Get into the details:
Prescription contraceptives including IUDs
HIV/STI screenings
Well-woman and well-child visits
Mental health screenings
Keep it real & relate the cost to other monetary items
Example: buy car insurance, and forever receive free oil changes and tune ups

15. Preventive Care
Source: CDC

16. Outreach: Key Messengers
Parents
College Advisors, Professors, Student Life
Community College, Graduate & Law programs
Employers, Career Fairs
Peers!
Faith Leaders

17. Outreach Events & Engagement
Apartment complexes
Basketball courts
Restaurants
Shopping malls
Temp agencies
Vocational Schools
Community Colleges
Barber Shops/Beauty Salons
Grocery stores
Bars
Movie theaters
Laundromats
K-12 Schools (young parents)
Piggy-back off of existing events:
Festivals
Career Fairs
Farmer’s Markets
Orientation Week
Free Tax Prep Events

18. Digital Engagement
Authenticity
Simplicity
Relatability
Clear Ask

19. facebook.com/together.invincible
Questions?
@YoungInvincible
facebook.com/together.invincible
Erin Hemlin
DC | CA | CO | IL | NY | TX