Enrollment Results Show Aon Hewitt's Corporate Health Exchange Empowers Employees to Become More Astute Health Care Consumers

   Enrollment Results Show Aon Hewitt's Corporate Health Exchange Empowers
            Employees to Become More Astute Health Care Consumers

Employees enrolling in the nation's largest private health exchange show
choice and control drives satisfaction

PR Newswire

LINCOLNSHIRE, Ill., March 18, 2013

LINCOLNSHIRE, Ill., March 18, 2013 /PRNewswire/ --Enrollment  results from
the industry's largest private health care exchange indicate that  when given
more choice and control, employees become more engaged and invested in
selecting their health benefits. This is according to  a new analysis from Aon
Hewitt, the global human resources business of Aon plc (NYSE: AON).

(Logo: http://photos.prnewswire.com/prnh/20100719/AQ37264LOGO)

During the 2013 annual enrollment period last fall, more than 100,000 U.S.
employees successfully enrolled in health benefits through Aon Hewitt's
Corporate Health Exchange, the only fully insured, multi-carrier corporate
health exchange available to large national employers today. According to Aon
Hewitt's post-enrollment analysis, almost 80 percent of enrollees felt
confident they chose the health plan that offered the best value for them and
their family, and almost all (93 percent) liked being able to choose among
multiple carriers.

"When given more options, employees become empowered to make individual
choices based on value, provider network, price and health status," said Ken
Sperling, Aon Hewitt's national health exchange strategy leader. "Employees
like having control over such an important decision and appreciate not being
limited to a pre-determined plan and insurance company."

Aon Hewitt's Corporate Health Exchange consolidates purchasing power while
providing best-in-market health insurance options for employees. Through its
strong relationships with insurance providers, Aon Hewitt's Corporate Health
Exchange offered a wide range of health, dental and vision benefits options
from multiple national and regional carriers during the 2013 enrollment
period, including UnitedHealthcare, Kaiser Permanente, HealthNet, Health Care
Service Corporation (operating Blue Cross Plans in IL, NM, OK and TX) and
Florida Blue, Florida's Blue Cross and Blue Shield Plan.

"Aon Hewitt's corporate exchange allowed us to move away from a one-size fits
all approach to providing health benefits," said Danielle Kirgan, senior vice
president of Total Rewards and Shared Services at Darden Restaurants, one of
the companies participating in Aon Hewitt's corporate health care exchange in
2013. "This year, we were able to offer a broader array of health care choices
than we have in the past, giving our employees the flexibility to choose the
level of coverage that best meets their needs at a price they could afford."

During enrollment, employees could quickly and easily sort and filter benefits
options by price, carrier and/or plan type using Aon Hewitt's proprietary
exchange portal. Participating insurance providers highlight the unique
features and capabilities of their plans to help employees differentiate
between coverage options and optimize their choices. Aon Hewitt's benefits
experts and advisors—including its industry-leading Advocacy Support
team—provided expertise, answers to questions and guidance throughout the
enrollment process.

Enrollment by Plan Type

According to Aon Hewitt's post-enrollment analysis, two-thirds of employees
who participated in the corporate exchange said they now had a good
understanding of how they share the cost of medical insurance with their
employer. When choosing a coverage level, most employees said they based their
choice on the desire to choose a plan that offered coverage similar to their
current plan and price.

Aon Hewitt's enrollment data shows that 39 percent of employees enrolled in a
consumer-driven health plan (CDHP), up from 12 percent in 2012. Conversely,
the number of employees who enrolled in a PPO-type plan decreased from 70
percent in 2012 to 47 percent in 2013. However, while a significant number of
employees migrated toward consumer-driven health plans, Aon Hewitt's data
revealed that when given the choice, a fair number of employees chose to
increase their coverage. For 2013, 32 percent of employees chose a plan
similar in type to their current coverage (e.g., PPO to PPO), while 26 percent
of employees chose richer coverage. Forty-two percent of employees chose to
reduce their regular payroll contributions and select a less rich form of

According to Sperling, "The election patterns we observed prove that a
well-designed exchange does not just drive employees to less comprehensive
coverage. Employees who want richer coverage are free to purchase it—and they
do. Health care is personal, and people have different needs. This model lets
employees decide which plan and which insurance company is best for them, and
they are free to modify that choice on an annual basis."

"We believe this new approach to medical coverage better meets the needs of
our diverse workforce and provides our company with increased efficiencies in
our health care offerings," said Dean Carter, chief human resources officer of
Sears Holdings, another company participating in the exchange. "The
competitive marketplace created by the corporate exchange model brings
increased flexibility to group health coverage for our associates, giving
participants a chance to choose both the level of coverage and the insurance
company that best meets their needs.As a company committed to providing our
associates with a comprehensive set of benefits, being able to have a positive
impact on quality and costs through the exchange has been a win-win for Sears

2013 Enrollment by Plan Type

     2012 2013
PPO  70%  47%
HMO  18%  14%
CDHP 12%  39%

Increased Use of Decision-Support Tools

Use of Aon Hewitt's online decision support tools, including health plan
comparisons, cost estimators and customized portal and guidance solutions, was
significantly higher for employees who enrolled in their benefits through a
corporate exchange model compared to the 10 million employees who completed a
"traditional" enrollment with Aon Hewitt. Specifically:

  o68 percent of exchange enrollees used a health plan comparison tool
    compared with just 48 percent of employees in Aon Hewitt's normative
  o57 percent used the provider search tool, compared to only 14 percent
    usage in traditional plan enrollment

"Our health care exchange is structured in a way that enables employers to
continue offering group health care coverage but gives employees a wider range
of plan choices," said Sperling. "It uses a fully insured model to create
competition at a consumer level, and whenever markets are competitive,
consumers benefit. This is not about shifting cost to employees; it's about
reducing the top line cost of health care. We have created a solution for
employers and employees that reverses the rate and volatility of escalating
health care costs. Employers can then redirect these cost savings to enhancing
company-wide programs to increase employee health, well-being and engagement."

About Aon Hewitt

Aon Hewitt is the global leader in human resource solutions. The company
partners with organizations to solve their most complex benefits, talent and
related financial challenges, and improve business performance. Aon Hewitt
designs, implements, communicates and administers a wide range of human
capital, retirement, investment management, health care, compensation and
talent management strategies. With more than 29,000 professionals in 90
countries, Aon Hewitt makes the world a better place to work for clients and
their employees. For more information on Aon Hewitt, please visit

About Aon

Aon plc (NYSE:AON) is the leading global provider of risk management,
insurance and reinsurance brokerage, and human resources solutions and
outsourcing services. Through its more than 65,000 colleagues worldwide, Aon
unites to empower results for clients in over 120 countries via innovative and
effective risk and people solutions and through industry-leading global
resources and technical expertise. Aon has been named repeatedly as the
world's best broker, best insurance intermediary, reinsurance intermediary,
captives manager and best employee benefits consulting firm by multiple
industry sources. Visit www.aon.com for more information on Aon and
www.aon.com/manchesterunited to learn about Aon's global partnership and shirt
sponsorship with Manchester United.

Media Contacts:
Maurissa Kanter, 847-442-0952, maurissa.kanter@aonhewitt.com
Amy Ochalski, 847-771-4225, amy.ochalski@aonhewitt.com

SOURCE Aon plc

Website: http://www.aon.com
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