Email Icon for email button
Email Me

Introduction

The Problem

Our Premiums Were Outmatched

Our shoppers were paying $170 more per month than private enrollees. We lost hundreds of customers every year to private enrollments.

Marketplace Coverage Was Unaffordable

Healthcare costs continue to skyrocket while coverage becomes less and less comprehensive. Marketplace plans were known for their ridiculous premiums and sky-high deductibles. While affordable coverage was out there, it required enrolling privately through insurance carriers.

We made private-plan shopping possible to offer affordable coverage for our shoppers.

Skip to Resolution

The Kickoff

Final design of the private shopping results page

The private healthcare shopping dashboard MVP (2022)

The MVP

Our MVP release consisted of copying the pre-existing Medicare shopping code and modifying it. It was bare-bones and required applicants to call us to enroll. At launch, our season ended with under 300 enrollments. We knew online applicants and more robust features were necessary to scale our Private plan sales.

Early Research

Diagram showing the 2021 private sales based on metal tiers

Graph demonstrating the percentage of private plans sold per metal tier

Research Exposed Private Shopping Trends

I held a focus group with seven agents. I received several insights regarding the current private shopping trends to help influence my design decisions.

  • Private sales were generally bronze and silver plans.
  • Members were enrolling in private plans outside of us for better rates. Agents would reach out and re-enroll them directly with us.

Based on the shopping data, we chose to solely recommend private plans when silver was a good fit.

Expanding Capabilities

Private Shopping v1.1

V1.1 of Private Shopping (2023)

Layered Shopping

We recognized that every shopper goes through different phases. They may be browsing prices and plan availability, adding providers and drugs to see coverage, diving into plan details, comparing plans, or checking out to complete their enrollment. We wanted our shopping experience to intuitively walk shoppers through each phase, allowing them to control of what they do and see.

Knowing this, we evolved our product feature set.

  • Ability to compare plans side-by-side
  • Expose filters to the left-hand side
  • Adjusted visual hierarchy to focus on cart conversion
  • Checked doctor and drug network coverage

Continual Research

Plan tile evolution

Plan tile evolution V1, V1.1, and V2

From Overwhelming to Easy

I conducted several rounds of user testing, observed numerous shoppers, and set up a Fullstory dashboard to learn about the qualitative experience and quantitative data. The consensus was healthcare is complex and there's an overwhelming amount of information.

The compare feature was missed.

  • Highlighted the "Compare" button on a light blue background to draw more attention.
  • Added compare plans side-by-side calls to action on the plan details page.

There was too much information and not enough hierarchy. Shoppers didn't know where to focus.

  • Changed the plan tile orientation to horizontal so you only can see two to three plans at a time.
  • Minimized the plan tile into a simple view that can expand with more detailed information.
  • Moved filters into an accordion, allowing the visual hierarchy while still having a clear function.

Today's Vision

Guided Concierge Shopping

Our vision is to allow any shopper to experience exactly what they need regardless of the phase they're in.

  • Hands-on shoppers can filter, sort, save plans, compare, and checkout without help from a live agent.
  • Hands-off shoppers can receive a digital personalized plan recommendation and checkout by solely completing a brief survey.
Private Shopping V2

The private shopping dashboard future design

The Outcome

$100,000+ Saved In Premiums

Private Shopping was originally launched in fall of 2022. Since then, we've expanded our offering from a few eastern states to coverage across the entire United States. We've also taken on multiple new insurance carriers, expanding our Private Plan shopping footprint.

Key Takeaways

  • It's essential to work on incremental improvements towards a larger vision.
  • Projects with many moving parts require considerable coordination with other teams. Having a buffer on our roadmaps to launch work harmoniously prevents delays.
  • The more I understand my users and data, the closer I'm able to align the experience to their needs.
Austin Andriese blue headshot

Austin Andriese

Senior Product Designer @WTW

WTW

Global insurance service provider.

Product

Web App, Healthcare Coverage E-commerce Shopping Platform

Role

Designed the product end-to-end, conducted user research, closely collaborated with developers and external teams.

Date

August 2022 - October 2022

Let's Get In Touch

Email me or Connect on LinkedIn to get in Touch