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1、2023 Health Insurance SurveyNovember 2023National Association of REALTORS Research GroupNAR Research Staff:Lawrence Yun,Ph.D.Chief Economist and Senior Vice PresidentJessica Lautz,Dr.RealEst.Vice President,Demographics and Behavioral InsightsMeredith DunnResearch ManagerLead Author:Lead Author:Brand

2、i SnowdenDirector,Member and Consumer Survey ResearchMethodologyThe NAR Health Insurance Survey was sent in March 2023 through email to a random sample of 43,851.There were 1,227 completed responses for a response rate of 2.8 percent.The confidence interval at a 95 percent level of confidence is+/-2

3、.8 percent.2023 National Association of REALTORS.All Rights Reserved.May not be reprinted in whole or in part without permission of the National Association of REALTORS.For reprint information,contact datanar.realtor.2023 Member ProfileSurvey Respondents(Members)White or Caucasian81%79%Married69%64%

4、Female62%70%Bachelors Degree31%30%Median Age6055Household Income$141,200$127,320Health Insurance Coverage for NAR MembersSource:2023 NAR Health Insurance SurveyDo you currently have health insurance for 2023?Yes,85%No,14%Dont know,1%Source:2023 NAR Health Insurance SurveyWhat are the reasons you are

5、 currently without primary health insurance?(Please check all that apply)47%2%2%5%9%49%0%20%40%60%80%100%OtherMy doctor didnt accept insuranceInsurers turned me down because of a pre-existing health conditionThere was no legal requirementCouldnt find a plan that they likedPremiums/deductibles were t

6、oo expensiveSource:2023 NAR Health Insurance SurveyAdditional Feedback on Why Members Are Currently Without Health InsuranceThe comments/sentiments repeated most often were:Cannot afford itOn MedicarePremiums and deductibles are too highSwitching health plansChanging careers Dont see the needSource:

7、2023 NAR Health Insurance SurveyWhat type of health insurance do you have?48%52%0%20%40%60%Individual policyFamily policyMedian:2 Adults,1 ChildrenSource:2023 NAR Health Insurance SurveyWhere did you obtain your primary health insurance?(Collapsed list)10%10%12%12%18%27%0%20%40%OtherFull-time job(no

8、t real estate related)Insurance brokerState or federal health insurance exchangeMedicareSpouses employer planSource:2023 NAR Health Insurance SurveyWhere did you obtain your primary health insurance?(Full list)10%1%1%1%2%2%2%2%10%12%12%18%27%0%20%40%OtherNARs REALTORS Insurance MarketplaceCOBRA from

9、 past job or spouses COBRA planReal estate firm coverageMedicaidState or local association health planRetirement benefits from a former employerVeterans benefit planFull-time job(not real estate related)Insurance brokerState or federal health insurance exchangeMedicareSpouses employer planOther incl

10、udes:AARP,Affordable Care Act,Christian Healthcare Ministries/Church,direct from carrier,and Health ShareSource:2023 NAR Health Insurance SurveyAdditional Feedback on Difficulty Obtaining Health InsuranceThe comments/sentiments repeated most often were:High deductiblesToo expensivePre-existing condi

11、tionsSelf-employedSource:2023 NAR Health Insurance SurveyWhat is the main reason you chose your primary health insurance provider?15%15%20%25%26%0%20%40%OtherIt allows me to keep my doctorsIt offers better services or benefitsIt was the only option for health insuranceIt was the cheaper option after

12、 comparisonSource:2023 NAR Health Insurance SurveyMy primary health insurance plan:5%5%12%21%57%0%20%40%60%Doesnt include preferred doctors/providersHas too few doctors/providersOffers a wide array of doctors/providersIncludes some preferred doctors/providersIncludes preferred doctors/providersSourc

13、e:2023 NAR Health Insurance SurveyDoes your plan cover everything you want(i.e.well checks,immunizations,annual physicals,lab tests,maternity,etc.)?4%13%2%44%37%0%20%40%60%Dont knowNo,not at allYes,but covers more than desiredYes,to a degreeYes,most definitelySource:2023 NAR Health Insurance SurveyC

14、ost of monthly premiums:15%5%10%9%10%20%11%16%5%0%10%20%30%Less than$50$51 to$149$150 to$249$250 to$349$350 to$499$500 to$749$750 to$999$1,000 to$1,999$2,000 ormoreMedian:$500.00 Source:2023 NAR Health Insurance SurveyWhat portion of the total premium for your health insurance coverage do you pay?15

15、%27%58%0%20%40%60%80%Pay none of the premiumPay part of the premiumPay the entire premiumSource:2023 NAR Health Insurance SurveyHow do you feel about your monthly premiums?18%17%19%24%22%0%20%40%Far too expensiveToo expensiveA little too expensiveAffordable enoughVery affordableSource:2023 NAR Healt

16、h Insurance SurveyIs your deductible(i.e.the amount you must pay out of pocket before your plan picks up all costs):15%18%21%26%20%0%20%40%Far too expensiveToo expensiveA little too expensiveAffordable enoughVery affordableSource:2023 NAR Health Insurance SurveyIs the required copay(i.e.the amount y

17、ou pay for each doctor visit):3%8%17%43%28%0%20%40%60%Far too expensiveToo expensiveA little too expensiveAffordable enoughVery affordableSource:2023 NAR Health Insurance SurveyHow would you rate your primary policy in terms of each of the items below?14%16%16%8%6%5%9%15%16%13%9%8%42%25%22%22%24%18%

18、9%20%21%31%24%23%25%24%25%26%37%45%0%20%40%60%80%100%Health savings account offeredDeductible levelsCost of premiumsHealth services covered by the policyA large number of doctors/specialists to choose fromAccess to your current doctorsNeeds entire overhaulDoesnt work well,needs improvementNeutralWor

19、ks pretty well,but could use minor improvementsWorks well,no improvement neededSource:2023 NAR Health Insurance SurveyAdditional Feedback on Current Health Insurance:The comments/sentiments repeated most often were:Deductible is too high High premiumsNot enough coverageSource:2023 NAR Health Insuran

20、ce SurveyWhat are your top priorities related to health insurance coverage?16%7%5%3%1%1%1%1%1%5%5%4%2%2%1%2%2%2%1%1%23%29%22%16%12%11%13%11%12%10%8%4%4%16%21%19%9%14%17%12%14%13%16%16%9%7%39%38%51%70%71%70%72%71%72%73%75%86%89%0%20%40%60%80%100%Allowing children to stay on parents policy until age 2

21、6Access to health savings accountsTax credits to make premiums more affordablePremiums that dont discriminate based on genderPremiums that dont discriminate based on health statusNo annual limit on health expensesNo exclusions for pre-existing conditionsGuaranteed coveragePremiums that dont discrimi

22、nate based on ageNo lifetime caps on health expensesAccess to my preferred doctorsReasonable deductibles and co-paysAffordable premiumsNot at all importantNot very importantNeutralSomewhat importantVery importantSource:2023 NAR Health Insurance SurveyFederal Involvement in Health Care Policy Congres

23、s should:(choose one)38%36%26%0%20%40%Not sureContinue to require a uniform nationwide set of rules forhealth insuranceLeave the responsibility for health insurance to the statesSource:2023 NAR Health Insurance SurveyGenerally speaking,do you think the current health care system is meeting the needs

24、 of most Americans?Yes,9%No,74%Dont know,17%Source:2023 NAR Health Insurance SurveyAdditional Feedback on Health Policy Priorities:The comments/sentiments repeated most often were:AffordabilityAccessibility of healthcare for all U.S.citizensSeparate government from the health insurance industrySourc

25、e:2023 NAR Health Insurance SurveyIf you were enrolled in health insurance last year,was that past health insurance:29%3%25%44%0%20%40%60%Dont knowNot enrolled in health insurance last yearMore expensive than current insuranceLess expensive than current insuranceSource:2023 NAR Health Insurance Surv

26、eyIf you had health insurance in 2022,did you qualify for the government subsidy or tax credit in 2022 that reduced the cost of your insurance premiums?Yes,12%No,62%Dont know,26%Source:2023 NAR Health Insurance SurveyIf a REALTOR association health plan were offered with equally comprehensive benefi

27、ts as your current plan,would join it and you leave your current health insurance plan?Yes,19%Yes,if there is a savings compared to my current plan,44%No,19%Dont know,18%Source:2023 NAR Health Insurance SurveyWhat percentage of savings would it take for you to leave your current health insurance pla

28、n?5%10%14%23%9%16%6%3%7%2%6%20%40%0%1%to 10%11%to 20%21%to 30%31%to40%41%to50%51%to60%61%to70%71%to80%81%to90%91%to100%Median:30%Source:2023 NAR Health Insurance SurveyFirm Owners with W-2 EmployeesOf 1,227 survey responses received,105(nine percent)had W-2 employees.Of the 105 that had W-2 employee

29、s,19(19 percent)offer health insurance.Source:2023 NAR Health Insurance SurveyDo you have W-2 employees?Yes,9%No,89%Dont know,2%Source:2023 NAR Health Insurance SurveyNumber of W-2 Employees:43%27%19%8%2%1%20%40%60%123 to 45 to 1011 to 2021 or moreMedian:2 employees Source:2023 NAR Health Insurance

30、SurveyDo you currently offer your W-2 employees an employer-sponsored health insurance plan?Yes,19%No,81%Source:2023 NAR Health Insurance SurveyWhy do you offer health insurance coverage to your employees?The comments/sentiments repeated most often were:Health insurance is a valued benefitEmployee r

31、etentionNecessary to remain competitiveEmployees need health insuranceSource:2023 NAR Health Insurance SurveyWhat percentage of the total premium do you pay for W-2 employees?*25%8%67%20%40%60%80%1%to 25%26%to 50%51%to 75%76%to 100%Median:100%Source:2023 NAR Health Insurance Survey*-Less than 1%What

32、 percentage of the total premium do you pay for dependents?42%8%50%20%40%60%1%to 25%26%to 50%51%to 75%76%to 100%Median:55%Source:2023 NAR Health Insurance Survey*-Less than 1%What type of insurance plans do you offer?(Please check all the apply)*7%7%7%7%7%36%50%93%20%40%60%80%100%OtherCaptive insura

33、nce planMultiple Employer Welfare Arrangement(MEWA)Professional Employer Organization(PEO)planCatastrophic coverageCo-operative planTelemedicineAccidentShort-term coverageVision careDental careHealth insuranceSource:2023 NAR Health Insurance Survey*-Less than 1%Additional Feedback on the Overall Sur

34、veyThe comments/sentiments repeated most often were:Health care should be affordableMembers would like to see a group healthcare plan for NARSource:2023 NAR Health Insurance SurveyDemographics of RespondentsSource:2023 NAR Health Insurance SurveyGender of respondents:3%27%70%0%20%40%60%80%Prefer not

35、 to sayMaleFemaleSource:2023 NAR Health Insurance SurveyAge of respondents:14%35%38%14%0%20%40%18 to 3940 to 5455 to 6566 or olderMedian:55 yearsSource:2023 NAR Health Insurance SurveyYears of experience of respondents:23%15%19%6%19%17%0%20%40%2 years or less3 to 5 years6 to 10 years11 to 15 years16

36、 to 25 years26 years or moreMedian:8 years Source:2023 NAR Health Insurance SurveyPractice specialty of respondents:*28%72%0%20%40%60%80%Commercial real estate onlyBoth commercial and residential real estateResidential real estate onlySource:2023 NAR Health Insurance Survey*-Less than 1%Marital stat

37、us of respondents:2%3%12%18%64%0%20%40%60%80%OtherWidowedSingle(never married)DivorcedMarriedSource:2023 NAR Health Insurance SurveyHOUSEHOLD INCOME in 2022 from all sources(household income before taxes and deductions):2%2%2%9%10%12%22%14%9%14%3%1%0%20%40%Less than$10,000$10,000to$24,999$25,000to$3

38、4,999$35,000to$49,999$50,000to$74,999$75,000to$99,999$100,000to$149,999$150,000to$199,999$200,000to$249,999$250,000to$499,999$500,000to$999,999$1 millionor moreMedian:$129,800Source:2023 NAR Health Insurance SurveyLocation of practice of respondents:3%9%17%21%50%0%20%40%60%Resort/Recreation areaRura

39、l areaSmall townUrban/Central citySuburb/SubdivisionSource:2023 NAR Health Insurance SurveyEducation of respondents:15%6%30%42%8%0%20%40%60%Graduate DegreeSome Graduate SchoolBachelors DegreeSome College/Associates DegreeHigh SchoolSource:2023 NAR Health Insurance SurveyRace and ethnicity of respond

40、ents:4%1%4%7%8%79%0%20%40%60%80%100%OtherAmerican Indian/Eskimo/AleutAsian/Pacific IslanderBlack/African AmericanHispanic/Latino/Mexican/Puerto RicanWhite/CaucasianSource:2023 NAR Health Insurance SurveyNATIONAL ASSOCIATION OF REALTORSThe National Association of REALTORS is Americas largest trade as

41、sociation,representing more than 1.5 million members,including NARs institutes,societies and councils,involved in all aspects of the real estate industry.NAR membership includes brokers,salespeople,property managers,appraisers,counselors and others engaged in both residential and commercial real est

42、ate.The term REALTOR is a registered collective membership mark that identifies a real estate professional who is a member of the National Association of REALTORS and subscribes to its strict Code of Ethics.Working for Americas property owners,the National Association provides a facility for profess

43、ional development,research and exchange of information among its members and to the public and government for the purpose of preserving the free enterprise system and the right to own real property.RESEARCH GROUPThe Mission of the NATIONAL ASSOCIATION OF REALTORS Research Group is to produce timely,

44、data-driven market analysis and authoritative business intelligence to serve members,and inform consumers,policymakers,and the media in a professional and accessible manner.To find out about other products from NARs Research Group,visit www.nar.realtor/research-and-statistics.NATIONAL ASSOCIATION OF REALTORSResearch Group500 New Jersey Avenue,NWWashington,DC 20001202-383-1000datanar.realtor