미국의 단기 케어 보험 시장 : 세계 업계 분석, 규모, 점유율, 성장, 동향, 예측(2031년) - 유통 채널별, 연령층별, 플랜 유형별, 최종사용자별
U.S. Short-term Care Insurance Market - Industry Analysis, Size, Share, Growth, Trends, and Forecast 2031 - By Product, Technology, Grade, Application, End-user, Country: (U.S.)
상품코드:1552440
리서치사:Fairfield Market Research
발행일:2024년 09월
페이지 정보:영문 157 Pages
라이선스 & 가격 (부가세 별도)
한글목차
미국의 단기 케어 보험 시장 규모는 2024년 480억 달러에서 2031년에는 963억 달러에 달하며, CAGR 10.50%로 성장할 것으로 예측되고 있으며, 대폭적인 확대가 전망되고 있습니다. 기존의 장기요양보험을 대체할 수 있는 비용 효율적인 보험인 단기 케어 보험은 질병, 부상, 장애로 인해 의료서비스가 필요한 개인에게 즉각적이고 일시적인 보장을 제공합니다. 의료비 지출이 증가함에 따라 의료비 관리를 위한 현실적인 대안으로 단기 케어 보험을 선택하는 소비자들이 늘어나면서 이 역동적인 시장의 성장세를 견인하고 있습니다.
단기 케어 보험은 일반적으로 최대 12개월의 제한된 기간 중 보장하도록 설계되어 있으며, 가입자가 의료 문제로 인해 일상생활을 할 수 없게 되었을 때 필요한 간병 비용을 부담할 수 있도록 도와줍니다. 이 유형의 보험은 전통적인 케어 플랜에서 볼 수 있는 장기적인 재정적 부담 없이 일시적인 해결책을 제공합니다. 재택치료, 성인 데이케어, 복지 시설 입소 등의 서비스를 보장하므로 보다 유연한 보장을 원하는 사람들에게 매력적인 선택이 될 수 있습니다.
시장 성장의 원동력은 헬스케어 비용 증가와 고령화로 인해 간병 서비스에 대한 수요가 증가하고 있습니다. 또한 빅데이터와 클라우드 컴퓨팅의 통합과 같은 기술 발전은 보험 업무의 간소화, 보험 계약에 대한 접근성 향상, 시장 효율화를 촉진하고 있습니다.
미국의 단기 케어 보험 시장에 대해 조사했으며, 시장의 개요와 유통 채널별, 연령층별, 플랜 유형별, 최종사용자별 동향 및 시장에 참여하는 기업의 경쟁 동향 등을 제공하고 있습니다.
목차
제1장 개요
제2장 시장 개요
시장의 정의와 세분화
시장 역학
밸류체인 분석
Porter's Five Forces 분석
COVID-19의 영향 분석
우크라이나·러시아 분쟁의 영향
경제 개요
PESTLE 분석
미국의 단기 케어 보험 시장 전망, 유통 채널별, 금액(10억 달러), 수량(건수), 2019-2031년
미국의 단기 케어 보험 시장 전망, 연령층별, 금액(10억 달러), 수량(건수), 2019-2031년
미국의 단기 케어 보험 시장 전망, 플랜 유형별, 금액(10억 달러), 수량(건수), 2019-2031년
미국의 단기 케어 보험 시장 전망, 최종사용자별, 금액(10억 달러), 수량(건수), 2019-2031년
제3장 경쟁 구도
유통 채널별 vs 플랜 유형별 히트맵
기업 시장 점유율 분석, 2024년
경쟁 대시보드
기업 개요
EHealth Insurance Services Inc.
VitalOne Health
Cox HealthPlans LLC,
Wisconsin Physicians Service
Guarantee Trust Life Insurance Company
Cigna.
Illinois Health Agents, Inc.
Bankers Fidelity Life Insurance Company
United HealthCare Services, Inc.
Everest Re Group, Ltd.
제4장 부록
KSA
영문 목차
영문목차
The US short-term care insurance market is poised for significant expansion, with projections indicating its growth from USD 48 billion in 2024 to USD 96.3 billion by 2031, at a CAGR of 10.50%. As a cost-effective alternative to traditional long-term care insurance, short-term care policies provide immediate, temporary coverage for individuals requiring medical care due to illness, injury, or disability. With healthcare becoming increasingly expensive, more consumers are turning to short-term care insurance as a practical option for managing medical expenses, fueling the growth of this dynamic market.
Market Overview
Short-term care insurance is designed to cover a limited period, generally up to 12 months, helping policyholders pay for essential care when they are unable to perform daily activities due to medical issues. This type of insurance offers temporary solutions without the long-term financial commitment associated with traditional care plans. It covers services like home healthcare, adult daycare, and stays in assisted living facilities, making it an appealing option for those seeking more flexible coverage.
The market's growth is propelled by the increasing costs of healthcare and an aging population, which is driving up demand for care services. Moreover, technological advancements, such as the integration of big data and cloud computing, are streamlining insurance operations, improving policy accessibility, and boosting market efficiency.
Key Growth Drivers in the US Short-Term Care Insurance Market
1.Affordable Premiums: A primary factor fueling market growth is the affordability of short-term care insurance compared to long-term care options. Consumers are increasingly drawn to these plans due to their cost-effectiveness, with insurers offering competitive premium rates. As healthcare costs continue to rise, the demand for budget-friendly insurance solutions is expected to grow, leading to a broader customer base for short-term care insurance providers.
2.Immediate Coverage for Temporary Needs: The ability to secure immediate coverage for temporary medical needs is another key driver of the short-term care insurance market. Individuals who face sudden health issues often require quick access to care without committing to extended insurance plans. Short-term care insurance addresses these needs, offering peace of mind with its flexible coverage options. As a result, more consumers are expected to seek out temporary insurance solutions to avoid depleting their savings during unexpected health events.
3.Aging Population and Rising Demand: As the US population continues to age, the demand for care services such as home healthcare, nursing homes, and assisted living is on the rise. Short-term care insurance provides an accessible means for aging individuals to afford these services without exhausting personal resources or relying on long-term policies. This demographic trend is expected to be a key driver of market growth in the years ahead.
Market Challenges and Barriers
Despite its potential for growth, the short-term care insurance market faces several challenges. One of the primary obstacles is the limited scope of coverage offered by these policies. Typically, short-term care insurance plans provide fewer benefits compared to standard health insurance and often exclude services for pre-existing conditions, preventive care, and prescription drugs. Additionally, these plans are not renewable, with coverage lasting only six to 12 months, which can deter some consumers with ongoing healthcare needs.
Opportunities for Market Innovation
Despite these hurdles, the short-term care insurance market offers significant opportunities for innovation. Insurers have the chance to develop products that address existing coverage gaps, such as those arising from employment changes or health insurance transitions. By designing policies that cater to the specific needs of underserved demographics-such as freelancers, contractors, and other gig economy workers-insurers can tap into a growing market segment. This flexibility could also benefit individuals who do not have access to traditional insurance plans, helping insurers reach new customer bases.
Impact of Technology on the Short-Term Care Insurance Market
Technological advancements like big data and cloud computing are reshaping the Analysis of the US short-term care insurance market. Through big data, insurers can collect and analyze large volumes of consumer information, allowing them to better assess risk, customize policies, and optimize operational efficiency. This not only improves the underwriting process but also enhances marketing strategies and claims management, giving companies a competitive edge.
Cloud computing also offers transformative potential, enabling insurers to streamline operations, reduce overhead costs, and improve data security. These innovations are expected to continue driving the market forward by making insurance products more accessible, affordable, and efficient for both providers and consumers.
Segment Insights
1.Dominance of Agents and Brokers: Agents and brokers play a pivotal role in the US short-term care insurance market, facilitating a significant portion of policy sales. Acting as intermediaries between consumers and insurance companies, they help individuals navigate the often complex insurance Analysis, providing personalized advice that matches consumer needs with the right policies. Their influence is expected to remain strong as more people seek guidance in choosing the best insurance solutions.
2.Growing Popularity of Standalone Policies: Standalone short-term care insurance policies are increasingly in demand, particularly those compatible with preferred provider organizations (PPOs). These policies offer greater flexibility and cost savings, which appeal to consumers looking for temporary solutions. As demand for PPO-compatible plans grows, this trend is expected to contribute significantly to the overall market expansion.
Competitive Analysis:
EHealth Insurance Services Inc.
VitalOne Health
Cox HealthPlans LLC,
Wisconsin Physicians Service
Guarantee Trust Life Insurance Company
Cigna.
Illinois Health Agents, Inc.
Bankers Fidelity Life Insurance Company
United HealthCare Services, Inc.
Everest Re Group, Ltd.
Market Segmentation
By Distribution Channel:
Direct Sales
Brokers/Agents
Banks
Others
By Age Group:
Senior Citizens
Adults
Minors
By Type of Plan:
Preferred Provider Organizations (PPOs)
Point of Service (POS)
Health Maintenance Organizations (HMOs)
Exclusive Provider Organizations (EPOs)
By End User:
Groups
Individuals
Table of Contents
1. Executive Summary
1.1. U.S. Short-term Care Insurance Market Snapshot
1.2. Future Projections
1.3. Key Market Trends
1.4. Regional Snapshot, by Value an, 2024
1.5. Analyst Recommendations
2. Market Overview
2.1. Market Definitions and Segmentations
2.2. Market Dynamics
2.2.1. Drivers
2.2.2. Restraints
2.2.3. Market Opportunities
2.3. Value Chain Analysis
2.4. Porter's Five Forces Analysis
2.5. COVID-19 Impact Analysis
2.5.1. Supply
2.5.2. Demand
2.6. Impact of Ukraine-Russia Conflict
2.7. Economic Overview
2.7.1. World Economic Projections
2.8. PESTLE Analysis
2.9. U.S. Short-term Care Insurance Market Outlook, By Distribution Channel, Value (US$ Bn) and Volume (Units), 2019 - 2031
2.9.1. Key Highlights
2.9.1.1. Direct Sales
2.9.1.2. Brokers/Agents
2.9.1.3. Banks
2.9.1.4. Others
2.10. U.S. Short-term Care Insurance Market Outlook, By Age Group, Value (US$ Bn) and Volume (Units), 2019 - 2031
2.10.1. Key Highlights
2.10.1.1. Senior Citizens
2.10.1.2. Adults
2.10.1.3. Minors
2.11. U.S. Short-term Care Insurance Market Outlook, By Type of Plan, Value (US$ Bn) and Volume (Units), 2019 - 2031
2.11.1. Key Highlights
2.11.1.1. Preferred Provider Organizations (PPOs)
2.11.1.2. Point of Service (POS)
2.11.1.3. Health Maintenance Organizations (HMOs)
2.11.1.4. Exclusive Provider Organizations (EPOs)
2.12. Market Attractiveness Analysis
2.13. U.S. Short-term Care Insurance Market Outlook, By End User, Value (US$ Bn) and Volume (Units), 2019 - 2031
2.13.1. Key Highlights
2.13.1.1. Groups
2.13.1.2. Individuals
2.13.2. Market Attractiveness Analysis
3. Competitive Landscape
3.1. By Distribution Channel vs By Type of Plan Heatmap
3.2. Company Market Share Analysis, 2024
3.3. Competitive Dashboard
3.4. Company Profiles
3.4.1. EHealth Insurance Services Inc.
3.4.1.1. Company Overview
3.4.1.2. Product Portfolio
3.4.1.3. Financial Overview
3.4.1.4. Business Strategies and Development
3.4.2. VitalOne Health
3.4.2.1. Company Overview
3.4.2.2. Product Portfolio
3.4.2.3. Financial Overview
3.4.2.4. Business Strategies and Development
3.4.3. Cox HealthPlans LLC,
3.4.3.1. Company Overview
3.4.3.2. Product Portfolio
3.4.3.3. Financial Overview
3.4.3.4. Business Strategies and Development
3.4.4. Wisconsin Physicians Service
3.4.4.1. Company Overview
3.4.4.2. Product Portfolio
3.4.4.3. Financial Overview
3.4.4.4. Business Strategies and Development
3.4.5. Guarantee Trust Life Insurance Company
3.4.5.1. Company Overview
3.4.5.2. Product Portfolio
3.4.5.3. Financial Overview
3.4.5.4. Business Strategies and Development
3.4.6. Cigna.
3.4.6.1. Company Overview
3.4.6.2. Product Portfolio
3.4.6.3. Financial Overview
3.4.6.4. Business Strategies and Development
3.4.7. Illinois Health Agents, Inc.
3.4.7.1. Company Overview
3.4.7.2. Product Portfolio
3.4.7.3. Financial Overview
3.4.7.4. Business Strategies and Development
3.4.8. Bankers Fidelity Life Insurance Company
3.4.8.1. Company Overview
3.4.8.2. Product Portfolio
3.4.8.3. Financial Overview
3.4.8.4. Business Strategies and Development
3.4.9. United HealthCare Services, Inc.
3.4.9.1. Company Overview
3.4.9.2. Product Portfolio
3.4.9.3. Financial Overview
3.4.9.4. Business Strategies and Development
3.4.10. Everest Re Group, Ltd.
3.4.10.1. Company Overview
3.4.10.2. Product Portfolio
3.4.10.3. Financial Overview
3.4.10.4. Business Strategies and Development
4. Appendix
4.1. Research Methodology
4.2. Report Assumptions
4.3. Acronyms and Abbreviations
(주)글로벌인포메이션02-2025-2992kr-info@giikorea.co.kr ⓒ Copyright Global Information, Inc. All rights reserved.
