NMHIX SMALL BUSINESS SURVEY JULY 2015 TOPLINE RESULTS N = 421 SMALL BUSINESSES
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- Mavis Sherman
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1 JULY 2015 TOPLINE RESULTS N = 421 SMALL BUSINESSES 1. WHAT ARE THE BIGGEST CHALLENGES YOU FACE IN HIRING AND RETAINING? BIGGEST CHALLENGES FACED IN HIRING AND RETAINING TOP 8 UNAIDED RESPONSES LACK OF QUALIFIED /APPLICANTS 19% LACK OF WORK ETHIC 15% RELIABILITY 11% SALARY/WAGES/PAY RATE 7% NOT ENOUGH WORK AVAILABLE 3% DO NOT OFFER HEALTH INSURANCE 3% POOR TECHNICAL SKILLS 3% NOTHING IN PARTICULAR 34% 2. DOES YOUR COMPANY CURRENTLY OFFER HEALTH INSURANCE TO YOUR? 7 6 COMPANY CURRENTLY OFFERS HEALTH INSURANCE TO 57% 5 43% 3 1 YES NO
2 JULY 2015 PAGE 2 3: DOES YOUR COMPANY CURRENTLY OFFER ANY FINANCIAL INCENTIVES OR STIPENDS FOR TO ENROLL IN A HEALTH PLAN OUTSIDE OF THE COMPANY? OFFERS FINANCIAL INCENTIVES OR STIPENDS AMONG THOSE WHO CURRENTLY DO NOT OFFER INSURANCE TO THEIR TOTAL RESPONSES (N=239) NO/ DON'T KNOW 89% YES 11% 4. WHAT ARE THE PRIMARY REASONS WHY YOUR COMPANY DOES NOT OFFER HEALTH INSURANCE TO YOUR? PRIMARY REASONS COMPANY DOES NOT OFFER HEALTH INSURANCE TO AMONG THOSE WHO CURRENTLY DO NOT OFFER HEALTH INSURANCE TO THEIR TOTAL RESPONSES (N=239) TOP 9 UNAIDED RESPONSES CANNOT AFFORD TO OFFER HEALTH INSURANCE 47% HAVE INDIVIDUAL HEALTH PLANS 26% HEALTH PLANS ARE TOO EXPENSIVE 9% NOT INTERESTED/LOW TAKE UP RATE 8% SMALL COMPANY 5% TOO MUCH OF A HASSLE 4% AGAINST ACA/OBAMACARE 4% NOT INTERESTED 2% DON T KNOW/WON T SAY 7%
3 JULY 2015 PAGE 3 5. ARE YOU LIKELY, SOMEWHAT LIKELY, SOMEWHAT UNLIKELY, OR UNLIKELY TO OFFER HEALTH INSURANCE BENEFITS TO YOUR WITHIN THE NEXT 12 MONTHS? 10 LIKELIHOOD OF OFFERING HEALTH INSURANCE BENEFITS TO WITHIN THE NEXT 12 MONTHS AMONG THOSE WHOCURRENTLY DO NOT OFFERHEALTHINSURANCE TO THEIR TOTAL RESPONSES (N=239) 8 75% 6 1% 11% SOMEWHAT 1 SOMEWHAT 2% LIKELY LIKELY UNLIKELY UNLIKELY 6. WHAT ARE THE PRIMARY REASONS WHY YOUR COMPANY OFFERS HEALTH INSURANCE TO YOUR? PRIMARY REASONS COMPANY OFFERS HEALTH INSURANCE TO AMONG THOSE WHO CURRENTLY OFFER HEALTH INSURANCE TO THEIR TOTAL RESPONSES (N=182) TOP 9 UNAIDED RESPONSES RIGHT THING TO DO 27% PART OF BENEFITS PACKAGE 23% REQUIRED BY LAW/ACA/OBAMACARE 13% WANT IT 13% TO ATTRACT QUALITY/GOOD 13% TO KEEP QUALITY/GOOD 12% TO BE COMPETITIVE 6% NO REASON IN PARTICULAR 4% DON T KNOW/WON T SAY 5%
4 JULY 2015 PAGE 4 7. APPROXIMATELY WHAT PERCENTAGE OF YOUR ELIGIBLE WORKFORCE IS COVERED BY YOUR HEALTH PLAN(S)? 5 PERCENTAGE OF ELIGIBLE WORKFORCE COVERED BY COMPANY HEALTH PLAN AMONG THOSE WHO CURRENTLY OFFER HEALTH INSURANCE TO THEIR TOTAL RESPONSES (N=182) 38% 3 14% 13% 14% 14% 1 7% TO 3 31% TO 5 51% TO 75% 76% TO 99% 10 8: HOW MANY DIFFERENT HEALTH INSURANCE COMPANIES (PRESBYTERIAN, BLUE CROSS/BLUE SHIELD, NM HEALTH CONNECTIONS, ETC.) DOES YOUR COMPANY OFFER ITS TO CHOOSE A HEALTH PLAN FROM? NUMBER OF DIFFERENT HEALTH INSURANCE COMPANIES OFFERED TO TO CHOOSE A HEALTH PLAN AMONG THOSE WHO CURRENTLY OFFER HEALTH INSURANCE TO THEIR TOTAL RESPONSES (N=182) 8 71% 6 6% 5% 11% 7% COMPANY COMPANIES COMPANIES COMPANIES OR MORE
5 JULY 2015 PAGE 5 9. THERE ARE SEVERAL TYPES OF HEALTH INSURANCE PLANS THAT EMPLOYERS MAY OFFER TO THEIR. HOW MANY DIFFERENT TYPES OF INSURANCE PLANS OR HEALTH PLAN OPTIONS DOES YOUR ORGANIZATION OFFER TO ITS? 6 NUMBER OF HEALTH PLANS OR HEALTH PLAN OPTIONS OFFERED TO AMONG THOSE WHO CURRENTLY OFFER HEALTH INSURANCE TO THEIR TOTAL RESPONSES (N=182) 48% 11% 11% 13% 18% PLAN PLANS PLANS PLANS 10. OVERALL, HOW SATISFIED ARE YOU WITH THE CURRENT HEALTH PLAN(S) THAT YOU OFFER TO YOUR? PLEASE USE A 5- POINT SCALE WHERE 5 IS SATISFIED AND 1 IS DISSATISFIED. 6 OVERALL SATISFACTION WITH CURRENT HEALTH PLANS OFFERED TO AMONG THOSE WHO CURRENTLY OFFER HEALTH INSURANCE TO THEIR TOTAL RESPONSES (N=182) 39% 27% 22% 4% 6% 4% 5 SATISFIED MEAN : 3.9 THE MEAN SCORE IS DERIVED BY TAKING THE AVERAGE SCORE BASED ON THE 5-POINT SCALE. THE SATISFIED RESPONSE IS ASSIGNED A VALUE OF 5; THE DISSATISFIED RESPONSE IS ASSIGNED A VALUE OF 1. THE DON T KNOW/WON T SAY RESPONSES ARE EXCLUDED FROM THE CALCULATION OF THE MEAN. DISSATISFIED
6 JULY 2015 PAGE 6 11: OVERALL, HOW LIKELY ARE YOU TO CHANGE YOUR EMPLOYEE HEALTH PLANS IN THE NEXT YEAR? PLEASE USE A 5-POINT SCALE WHERE 5 IS LIKELY AND 1 IS UNLIKELY. 6 LIKELIHOOD OF CHANGING YOUR EMPLOYEE HEALTH PLANS IN THE NEXT YEAR AMONG THOSE WHO CURRENTLY OFFER HEALTH INSURANCE TO THEIR TOTAL RESPONSES (N=182) 5 12% 8% 14% 7% 9% 5 LIKELY UNLIKELY MEAN : 2.2 THE MEAN SCORE IS DERIVED BY TAKING THE AVERAGE SCORE BASED ON THE 5-POINT SCALE. THE LIKELY RESPONSE IS ASSIGNED A VALUE OF 5; THE UNLIKELY RESPONSE IS ASSIGNED A VALUE OF 1. THE DON T KNOW/WON T SAY RESPONSES ARE EXCLUDED FROM THE CALCULATION OF THE MEAN. 12. OVERALL, HOW IMPORTANT IS IT TO OFFER HEALTH INSURANCE IN ORDER TO HIRE AND RETAIN QUALITY? PLEASE USE A 5-POINT SCALE WHERE 5 IS IMPORTANT AND 1 IS NOT AT ALL IMPORTANT. 6 IMPORTANCE OF OFFING HEALTH INSURACE TO HIRE AND RETAIN QUALITY 57% 38% 24% 17% 18% 16% 13% 13% 14% 14% 1 4% 18% 7% 27% 5 IMPORTANT NOT AT ALL IMPORTANT TOTAL SAMPLE (MEAN: 3.5) OFFER HEALTH INSURANCE (MEAN: 4.2) DO NOT OFFER HEALTH INSURANCE (MEAN: 3.0) THE MEAN SCORE IS DERIVED BY TAKING THE AVERAGE SCORE BASED ON THE 5-POINT SCALE. THE IMPORTANT RESPONSE IS ASSIGNED A VALUE OF 5; THE NOT AT ALL IMPORTANT RESPONSE IS ASSIGNED A VALUE OF 1. THE DON T KNOW/WON T SAY RESPONSES ARE EXCLUDED FROM THE CALCULATION OF THE MEAN.
7 JULY 2015 PAGE THE NAME OF THE NEW MEXICO HEALTH INSURANCE EXCHANGE IS BE WELL NEW MEXICO. WOULD YOU SAY YOU ARE FAMILIAR, SOMEWHAT FAMILIAR, OR NOT FAMILIAR AT ALL WITH THE NEW MEXICO HEALTH INSURANCE EXCHANGE ALSO KNOWN AS BE WELL NEW MEXICO? 6 FAMILIARITY WITH NEW MEXICO HEALTH INSURANCE EXCHANGE ALSO KNOWN AS BE WELL NEW MEXICO 45% 16% FAMILIAR SOMEWHAT FAMILIAR NOT FAMILIAR AT ALL 14. AS PART OF THE AFFORDABLE CARE ACT, ALSO KNOWN AS OBAMACARE, THERE IS THE SMALL EMPLOYER HEALTH OPTIONS PROGRAM, ALSO KNOWN AS SHOP, WHICH GIVES BUSINESS OWNERS ACCESS TO HEALTH INSURANCE PLANS FOR THEIR. THROUGH SHOP, COMPANIES CAN GO ONLINE AND COMPARE DIFFERENT HEALTH PLANS, CALCULATE COSTS, PURCHASE INSURANCE, AND APPLY FOR TAX CREDITS. PRIOR TO THIS SURVEY WERE YOU AWARE OF SHOP? AWARENESS OF SHOP PRIOR TO SURVEY NO 78% YES 22%
8 JULY 2015 PAGE WOULD YOU SAY YOU ARE FAMILIAR, SOMEWHAT FAMILIAR, OR NOT FAMILIAR AT ALL WITH SHOP? 10 FAMILIARITY WITH SHOP 8 78% 6 16% 4% 2% FAMILIAR SOMEWHAT FAMILIAR NOT FAMILIAR AT ALL NOT AWARE OF SHOP (Q.14) 16. IN THE PAST THREE MONTHS HAVE YOU SEEN OR HEARD ANY ADVERTISEMENTS FOR SHOP? IF YES, WHERE HAVE YOU SEEN OR HEARD THE ADVERTISEMENTS? SEEN OR HEARD ANY ADVERTISEMENTS FOR SHOP AMONG THOSE WHO ARE AWARE OF SHOP TOTAL RESPONSES (N=92) TOP 8 UNAIDED RESPONSES NO, HAVE NOT SEEN OR HEARD 71% HAVE SEEN/HEARD ADVERTISEMENTS BUT DON'T KNOW WHERE 14% TELEVISION 6% NEWSPAPER 4% RADIO 4% INTERNET 3% 1% 1%
9 JULY 2015 PAGE WERE YOU AWARE THAT SHOP CAN GET YOU IN TOUCH WITH HEALTH INSURANCE AGENTS AND BROKERS WHO CAN ANSWER YOUR QUESTIONS AND ASSIST YOU IN ENROLLING IN AN EMPLOYEE HEALTH PLAN? AWARENESS THAT SHOP CAN GET YOU IN TOUCH WITH HEALTH INSURANCE AGENTS AND BROKERS AMONG THOSE WHO ARE AWARE OF SHOP TOTAL RESPONSES (N=92) YES 64% NO/ DON'T KNOW 35% 18. HOW LIKELY WOULD YOU BE TO USE SHOP TO LOOK FOR EMPLOYEE HEALTH PLAN INFORMATION OR PURCHASE HEALTH INSURANCE? PLEASE USE A 5 POINT SCALE WHERE 5 IS LIKELY AND 1 IS UNLIKELY. 6 LIKELIHOOD OF USING SHOP TO LOOK FOR EMPLOYEE HEALTH PLAN INFORMATION OR PURCHASE HEALTH INSURANCE 46% 16% 11% 16% 7% 4% LIKELY UNLIKELY MEAN : 2.4 THE MEAN SCORE IS DERIVED BY TAKING THE AVERAGE SCORE BASED ON THE 5-POINT SCALE. THE LIKELY RESPONSE IS ASSIGNED A VALUE OF 5; THE UNLIKELY RESPONSE IS ASSIGNED A VALUE OF 1. THE DON T KNOW/WON T SAY RESPONSES ARE EXCLUDED FROM THE CALCULATION OF THE MEAN.
10 JULY 2015 PAGE WHY DO YOU FEEL THIS WAY? UNDERLYING REASONS FOR LIKELIHOOD OF USING/NOT USING SHOP TOP 12 UNAIDED RESPONSES NOT INTERESTED NEED MORE INFORMATION 16% DO NOT OFFER INSURANCE 11% INSURANCE TOO EXPENSIVE 9% PREFER BROKER/AGENT 7% INFORMATION ON HEALTH PLAN COSTS 6% LOTS OF INFORMATION AVAILABLE 4% EASY TO FIND INFORMATION 3% CONVENIENT 3% ALREADY HAVE INSURANCE FOR 3% NO REASON IN PARTICULAR 8% 4% 20: WOULD YOU BE MORE INTERESTED IN USING SHOP TO LOOK FOR AND/OR PURCHASE HEALTH INSURANCE FOR YOUR IF SHOP OFFERED THE ABILITY TO PURCHASE STANDALONE DENTAL COVERAGE AS WELL? 8 MORE INTERESTED IN USING SHOP TO LOOK FOR AND/OR PURCHASE HEALTH INSURANCE FOR IF STAND ALONE DENTAL COVERAGE WAS OFFERED AS WELL 6 57% 32% 6% 5% YES DEPENDS (VOLUNTEERED) NO
11 JULY 2015 PAGE CURRENTLY, COMPANIES WHO ENROLL ON SHOP CAN CHOOSE A CERTAIN PRICE POINT AND OFFER THE ABILITY TO CHOOSE BETWEEN DIFFERENT HEALTH CARE COMPANIES AND PLANS WITHIN THE PRICE POINT. WOULD GIVING MORE OPTIONS BY CHOOSING BETWEEN DIFFERENT LEVELS OF COVERAGE AND DIFFERENT PRICE POINTS BE A BENEFIT TO YOUR COMPANY? PERCEIVED BENEFITS TO OFFERINGDIFFERENT HEALTH PLANS AND PRICES 5 42% 42% % YES DEPENDS (VOLUNTEERED) NO 22: ARE YOU AWARE THAT BUSINESSES WITH LESS THAN 25 MAY QUALIFY FOR A SMALL BUSINESS HEALTH INSURANCE TAX CREDIT WORTH UP TO 5 OF THEIR HEALTH INSURANCE PREMIUM COSTS? 8 AWARE THAT BUSINESS WITH LESS THAN 25 MAY QUALIFY FOR A SMALL BUSINESS HEALTH INSURANCE TAX CREDIT 66% 6 3 4% YES NO
12 JULY 2015 PAGE KNOWING ABOUT THIS, HOW LIKELY WOULD YOU BE TO USE SHOP TO LOOK FOR EMPLOYEE HEALTH PLAN INFORMATION OR PURCHASE HEALTH INSURANCE? PLEASE USE A 5 POINT SCALE WHERE 5 IS LIKELY AND 1 IS UNLIKELY. LIKELIHOOD OF USING SHOP KNOWING ABOUT THE TAX CREDIT AMONG THOSE WHOHAVE LESS THAN25 FULL TIME TOTAL RESPONSES (N=392) 5 39% 3 21% 14% 14% 1 5% 7% LIKELY UNLIKELY MEAN : 2.7 THE MEAN SCORE IS DERIVED BY TAKING THE AVERAGE SCORE BASED ON THE 5-POINT SCALE. THE LIKELY RESPONSE IS ASSIGNED A VALUE OF 5; THE UNLIKELY RESPONSE IS ASSIGNED A VALUE OF 1. THE DON T KNOW/WON T SAY RESPONSES ARE EXCLUDED FROM THE CALCULATION OF THE MEAN. 24. IN THE PAST 12 MONTHS, APPROXIMATELY HOW MANY TIMES, IF ANY, HAVE YOU VISITED THE NEW MEXICO HEALTH INSURANCE EXCHANGE WEBSITE, BE WELL NEW MEXICO (BEWELLNM.COM), TO LOOK FOR INFORMATION RELATING TO EMPLOYEE HEALTH INSURANCE? FREQUENCY OF VISITING THE NEW MEXICO HEALTH INSURANCE EXCHANGE WEBSITE IN THE PAST 12 MONTHS % 6 8% 14% 1% NONE 1 TIME 2 TIMES OR MORE DON'T KNOW
13 JULY 2015 PAGE OVERALL, WOULD YOU SAY IT WAS EASY, SOMEWHAT EASY, SOMEWHAT HARD, OR HARD TO FIND INFORMATION ABOUT EMPLOYEE HEALTH PLANS USING THE INSURANCE EXCHANGE WEBSITE? 5 OVERALL EASE OF FINDING INFORMATION ABOUT HEALTH PLANS USING THE INSURANCE EXCHANGE WEBSITE AMONG THOSE WHO VISITED THE NM HEALTH INSURANCE EXCHANGE WEBSITE IN THE PAST 12 MONTHS TOTAL RESPONSES (N=94) 38% 3 28% 18% 1 8% 8% SOMEWHAT SOMEWHAT EASY EASY HARD HARD 26. WHAT DIFFICULTIES, IF ANY, DID YOU EXPERIENCE WHEN TRYING TO FIND INFORMATION, COMPARE HEALTH PLANS OR ENROLL YOUR IN A PLAN ON NEW MEXICO'S INSURANCE EXCHANGE WEBSITE BE WELL NEW MEXICO? DIFFICULTIES EXPERIENCED ON BEWELLNM.COM AMONG THOSE WHO VISITED THE NM HEALTH INSURANCE EXCHANGE WEBSITE IN THE PAST 12 MONTHS TOTAL RESPONSES (N=94) TOP 17 UNAIDED RESPONSES HARD TO NAVIGATE 1 HEALTH PLANS WERE CONFUSING 6% WEBSITE WAS NOT WORKING 5% HARD TO COMPARE PLANS 4% COULD NOT/DID NOT ANSWER MY QUESTIONS 4% APPLICATION PROCESS TOOK TOO LONG 3% WEBSITE WAS CONFUSING 3% NOT ENOUGH INFORMATION ON THE SITE (IN GENERAL) 3% RECEIVED TOO MUCH INFORMATION 2% TOO MANY ERRORS IN SYSTEMS 2% COULD NOT COMPARE PLANS 2% NOT EASY TO FIND INFORMATION 2% NO TABLES FOR COMPARISON OF PLANS (COST/COVERAGE) 2% COST CALCULATOR DID NOT WORK 2% GOT SWITCHED TO FEDERAL WEBSITE 2% NOTHING IN PARTICULAR 57% DON T KNOW/WON T SAY 2%
14 JULY 2015 PAGE WHAT DIFFICULTIES, IF ANY, DID YOU EXPERIENCE WHEN TRYING TO FIND INFORMATION, COMPARE HEALTH PLANS OR ENROLL YOUR IN A PLAN ON NEW MEXICO'S INSURANCE EXCHANGE WEBSITE BE WELL NEW MEXICO? PREFERRED WAYS OF RECEIVING INFORMATION FROM NM HEALTH INSURANCE EXCHANGE AND SHOP TOP 10 UNAIDED RESPONSES 47% MAIL 31% INTERNET 8% NOT INTERESTED 8% IN-PERSON MEETING WITH INSURANCE AGENT/BROKER 2% TELEPHONE 1% IN-PERSON MEETING WITH GUIDE/ENROLLER 1% FAX 1% BY APPOINTMENT * DON T KNOW/WON T SAY 6% * LESS THAN 1% REPORTED. 28: WHAT INFORMATION RELATING TO EMPLOYEE HEALTH INSURANCE WOULD BE MOST IMPORTANT TO YOU? IMPORTANT INFORMATION RELATING TO EMPLOYEE HEALTH INSURANCE TOP 11 UNAIDED RESPONSES COST OF PLAN/MONTHLY PREMIUM COSTS 46% BENEFITS COVERED 32% TAX CREDITS 14% CO-PAYS COSTS 5% DIFFERENT PLANS/OPTIONS 5% COST FOR PROCEDURES/HOSPITALIZATION 4% DOCTORS ON PLAN 3% DENTAL COVERAGE 2% GENERAL INFORMATION 2% NOTHING IN PARTICULAR 25% DON T KNOW/WON T SAY 8%
15 JULY 2015 PAGE PLEASE RATE HOW INTERESTED YOU WOULD BE IN RECEIVING MORE INFORMATION ABOUT THE INSURANCE PRODUCTS AND SERVICES THAT ARE AVAILABLE THROUGH SHOP USING A 5-POINT SCALE WHERE 5 IS INTERESTED AND 1 IS NOT AT ALL INTERESTED. OVERALL INTEREST IN RECEIVING MORE INFORMATION ABOUT INSURANCE PRODUCTS AND SERVICES THAT ARE AVAILABLE THROUGH SHOP 35% 24% 16% 15% 7% 2% NOT AT ALL INTERESTED INTERESTED MEAN : 2.9 THE MEAN SCORE IS DERIVED BY TAKING THE AVERAGE SCORE BASED ON THE 5-POINT SCALE. THE INTERESTED RESPONSE IS ASSIGNED A VALUE OF 5; THE NOT AT ALL INTERESTED RESPONSE IS ASSIGNED A VALUE OF 1. THE DON T KNOW/WON T SAY RESPONSES ARE EXCLUDED FROM THE CALCULATION OF THE MEAN.
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