Coronavirus Updates and Resources

How Health Insurers are Responding to COVID-19

Published on April 15, 2020

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As the coronavirus outbreaks develop, health insurance providers are adapting to ensure members have coverage to protect them in the case that they become infected with COVID-19. eHealth surveyed leading health insurance companies to ask them some of the top questions around coronavirus and health coverage today.

Insurers invited to participate in the survey serve the individual, family, and group health insurance markets and collectively insure millions of Americans nationwide. Out of the 33 health insurer responses, nearly all are making changes to help consumers impacted by the COVID-19 coronavirus.

Most insurers are waiving coronavirus costs for members 

97% of insurer respondents say they are waiving out-of-pocket costs for coronavirus testing. Sixty percent are allowing members impacted by the coronavirus to defer premium payments.

Few insurers anticipate raising 2021 premiums due to coronavirus 

83% say they do not anticipate raising rates for 2021 in response to the crisis, while 17% anticipate raising rates no more than 5%. 87% of respondents offering the Affordable Care Act (ACA) plans say it is unlikely they will leave the ACA market due to coronavirus.

Increased utilization of telemedicine services 

96% of insurer respondents say they are seeing increased demand for telemedicine services (virtual doctor visits). 85% think the coronavirus crisis will drive increased demand for telemedicine benefits in the future.


For more health resources during the COVID-19 outbreak such as face mask use, what will health insurance cover for coronavirus, and health coverage options if you’ve lost your job, check out eHealth’s Coronavirus Updates and Resource Center.


 eHealth’s findings are based on a voluntary, anonymous survey of leading health insurance companies with whom eHealth has a business relationship. It was conducted between March 30 and April 2, 2020. Insurers invited to participate in the survey serve the individual and family and group health insurance markets and collectively insure millions of Americans nationwide. More than half of invitees participated, and a total of 33 responses were received.

Consumers are advised to contact their own health insurance company to confirm if they will face out-of-pocket costs associated with COVID-19 testing or treatment or to see if a premium deferral program may be available to them.

For information and guidelines specific to the coronavirus outbreak, visit cdc.gov

This article is for general information and should not be relied on as medical advice. Check with a medical professional for medical advice.

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