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市場調查報告書
美國HSA（醫療儲蓄）商品的發展
HSA Growth Accelerates In Uncharted Waters
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美國HSA（醫療儲蓄）商品的發展 是由出版商Mercator Advisory Group, Inc.在2007年06月所出版的。
這份英文市場調查報告書包含35 pages, 13 exhibits 價格從美金2950起跳。
專門於付款技術及設備、市場相關調查的美國市調公司Mercator Advisory Group, Inc.（總公司：Massachusetts State）針對美國HSA（醫療儲蓄）商品的發展前景進行調查分析，並出版經系統整理的報告書 "HSA Growth Accelerates In Uncharted Waters" 。
本報告書內容包括：CDHC（Consumer Directed Health Care）市場發展的起點、現在的市場規模、市場規模預測、預付金融卡在HSA上的應用、IIAS（存貨資訊認證系統）的支援、對金融機構而言的市場機會等。內容綱要摘記如下：
第1章 介紹
第2章 既有市場中的屬性調查
- AHIP（美國健康保險計畫）市場的資料
- AMA COUNCIL
- BEARINGPOINT
- GAO
- ISI使用者調查
- ISI
- 針對1,300人的調查（JAVELIN SURVEY）
- DELOITTE CENTER FOR HEALTH SOLUTIONS、等
第3章 市場發展預測
第4章 HDHP的發展預測
第5章 具有預付卡功能的HSA
第6章 支票 vs 預付金融卡・自動宣告
第7章 金融機構的決策過程
第8章 存貨資訊認證系統（IIAS）
第9章 總論
第10章 專有名詞
Abstract
NEW RESEARCH REPORT BY MERCATOR ADVISORY GROUP
Significant investments are being made today to implement Prepaid HSA cards
that will provide significant benefits to cardholders and Third Party
Administrators (TPAs). The most important of these is the inventory
information approval system (IIAS) that will deliver auto-adjudication,
significantly reducing administration costs for TPAs while eliminating the
need to submit and file records by the cardholder.
This report evaluates the size of the HSA market today and forecasts growth
through 2011. It also offers a forecast of the number of HSAs that will
likely be candidates for HSA Prepaid cards. Not all Health Spending Accounts
will be candidates for a Prepaid HSA card. For instance, many HSAs are under
funded. Many have very low transaction rates because the owner perceives the
HSA more as an investment account than for health spending. Both of these
consumer behaviors will reduce deployment of Prepaid HSA cards.
"It is not just account holder behavior that will delay adoption of Prepaid
HSA cards", states Tim Sloane, Director of the Debit Service at Mercator
Advisory Group. "The broad acceptance of the inventory information approval
system is also critical to the value proposition these cards deliver to TPAs.
Every time a transaction is not adjudicated it reduces the cost savings the
HSA depends on and frustrates the cardholder. It will be years before IIAS
works for services rendered at hospitals or doctor' s offices - and these
account for 51.7% of all healthcare related expenditures according to the
AMA."
Highlights of the report include:
- It is very likely that financial asset management firms will spend heavily
to advertise the benefits of the HSA as an investment instrument, directly
competing with banks for these account dollars.
- It is possible that the next presidential campaign will again focus on
healthcare and that a new administration will legislate an entirely new
environment - making all existing forecasts obsolete.
- While there are just over 1 million HSA accounts associated with a Prepaid
HSA card today, this will increase to 6.5 million accounts in 2011 - a
compound annual growth rate of just under 60 percent.
- Broad deployment of IIAS is an important assumption that is built into
this forecast. Any additional delays or balkanization of the market into
competing systems would significantly lower the forecast.
This report is 35 pages long and contains 13 exhibits, and tables.
Table of Contents
1. INTRODUCTION
- THE BIRTH OF THE CURRENT HSA MARKET
2. RESEARCH ON THE ATTRIBUTES OF THE EXISTING MARKET
- AHIP MARKET DATA
- AMA COUNCIL, PRESENTED BY JOSEPH P. ANNIS, MD, CHAIR, JUNE 2006
- BEARINGPOINT
- GENERAL ACCOUNTING OFICE (GAO-06-798)
- ISI USER RESEARCH - 6,000 HSA USERS
- ISI
- JAVELIN SURVEY OF 1,300 CONSUMERS
- DELOITTE CENTER FOR HEALTH SOLUTIONS
- GAO LOOKS AT WEALTH ACCUMULATION VERSUS POS TRANSACTIONS
- PLAN ADMINISTRATORS
- MAJOR HSA ADMINISTRATORS & HEALTH PLANS
3. A LOOK FORWARD AT MARKET PROJECTIONS
- BEARINGPOINT
- EARLY BOOZE ALLEN, FORRESTER & MCKINSEY
4. MERCATOR ADVISORY GROUP FORECAST HDHP
5. FORECAST OF HSA TIED TO PREPAID CARDS 2006 - 2011
6. CHECKS VERSUS PREPAID DEBIT CARD & AUTO ADJUDICATION
- INTERCHANGE PROFITABILITY & BROAD ACCEPTANCE
7. THE FINANCIAL INSTITUTION' S DECISION MAKING PROCESS
8. THE INVENTORY INFORMATION APPROVAL SYSTEMS IIAS
9. CONCLUSION
10. TERMS
List of Exhibits
- FIGURE 1: GROWTH OF LIVES COVERED BY HDHP MARCH 2005 - JANUARY 2007
- FIGURE 2: AGE DISTRIBUTION OF HSA PARTICIPANTS; JANUARY 2007
- FIGURE 3: AVERAGE AGE OF HSA ACCOUNTS; JANUARY 2007
- FIGURE 4: AVERAGE BALANCE IN HSA ACCOUNTS; JANUARY 2007
- FIGURE 5: AMA REVIEW OF HEALTHCARE RELATED EXPENDITURES
- FIGURE 6: MAJOR HEALTH PLANS & HSA ADMINISTRATORS
- FIGURE 7: BEARINGPOINT' S PROJECTION OF HSA, FSA, & HRA GROWTH
- FIGURE 8: COMPARING MULTIPLE RESEARCH ON GROWTH RATES
- FIGURE 9: INDIVIDUAL HDHP PURCHASERS ARE LESS LIKELY TO OPEN AN HSA THAN
EMPLOYEES
- FIGURE 10: BOTH LOW INCOME AND LACK OF EMPLOYER CONTRIBUTION LEAD TO LOW
HSA OPENING
- FIGURE 11: PROJECTED HDHP PARTICIPANTS WITHOUT A FUNDED HSA
- FIGURE 12: FORECAST OF FULLY FUNDED HSA ACCOUNTS 2006 - 2011
- FIGURE 13: FORECAST OF HSA ACCOUNTS THAT UTILIZE PREPAID HSA CARDS
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