Consumers Struggle With Health Insurance Terms Despite Proactive Roles
Only 34% of consumers understand health insurance terminology, a finding that highlights widespread difficulties in understanding policy terms and benefits.
- Only 34% of surveyed adults understand health insurance terminology, according to Cigna Healthcare’s International Health Study 2026.
- The July 2026 YouGov collaboration surveyed 12,000 adults across 13 markets, including Singapore, Hong Kong, Japan, the United States, and the United Kingdom.
- Cost and long waiting times forced 16% of respondents to skip necessary medical care and 24% to delay treatment over the prior 12 months.
International Survey Reveals Terminology Barriers
Global consumers struggle significantly with policy definitions, as just 34% of respondents reported an understanding of health insurance terms. Cigna Healthcare’s International Health Study 2026 reported these findings, which surveyed 12,000 adults across 13 markets in July 2026 in collaboration with YouGov.
Confidence levels regarding plan selection reveal a distinct split in consumer experience. While 38% of participants knew how to check what their health insurance covers, an identical proportion felt confident choosing a plan suited to their needs. Only 36% knew what questions to ask when selecting a policy or reviewing existing coverage.
Treatment Delays and Cost Barriers Impacting Patient Health
Financial constraints and administrative delays directly restricted patient access to necessary medical services. About 16% of respondents went without needed medical care because of cost factors. Meanwhile, 24% delayed or avoided treatment over the preceding 12 months due to concerns over long waiting times.
The consequences of these healthcare delays extend into daily functioning and long-term wellness. Among respondents who experienced delays in accessing care, 51% reported that their own or a family member’s physical or mental health suffered. An additional 41% experienced disruptions to their ability to work or maintain a healthy work-life balance.
Insurers Must Simplify Coverage and Improve Communication
Jason Sadler, President of International Health at Cigna Healthcare, stated that insurers need to simplify how consumers understand and use their coverage. Sadler noted that insurers and health care providers have an opportunity to make the next step clearer through simpler processes, plain-language communication, and personalized support, particularly where health needs are complex.
Despite difficulties with policy terminology, consumer motivation toward personal wellness remains high. The study found that 93% of respondents considered taking an active role in their healthcare important. Additionally, 88% reported taking active steps to prevent or minimize health problems.
Disclaimer: The information provided in this article is for educational and scientific communication purposes only and does not constitute medical advice. Always consult with a qualified healthcare provider regarding any medical condition, diagnosis, or treatment plan.