米国の短期介護保険市場 - 世界の業界分析、規模、シェア、成長、動向、予測（2031年）- 流通チャネル別、年齢層別、プランタイプ別、エンドユーザー別

米国の短期介護保険の市場規模は、2024年の480億米ドルから2031年には963億米ドルに達し、CAGR10.50％で成長すると予測されており、大幅な拡大が見込まれています。従来の長期介護保険に代わる費用対効果の高い保険として、短期介護保険は、病気、怪我、障害により医療ケアを必要とする個人に、即時的かつ一時的な保障を提供します。ヘルスケアの高額化が進む中、医療費管理の現実的な選択肢として短期介護保険を利用する消費者が増えており、このダイナミックな市場の成長を後押ししています。

短期介護保険は、一般的に12ヵ月までの限られた期間をカバーするように設計されており、契約者が医療上の問題により日常生活を営むことができなくなった場合に、必要な介護費用を負担することを支援します。このタイプの保険は、従来のケアプランに見られるような長期的な財政負担なしに、一時的な解決策を提供します。在宅ヘルスケア、成人デイケア、福祉施設での滞在などのサービスがカバーされるため、より柔軟な保障を求める人々にとって魅力的な選択肢となっています。

市場の成長を後押ししているのは、ヘルスケア費用の増大と高齢化であり、これが介護サービスへの需要を押し上げています。さらに、ビッグデータとクラウドコンピューティングの統合などの技術的進歩により、保険業務の合理化、保険契約へのアクセス性の向上、市場の効率化が進んでいます。

当レポートでは、米国の短期介護保険市場について調査し、市場の概要とともに、流通チャネル別、年齢層別、プランタイプ別、エンドユーザー別動向、および市場に参入する企業の競合動向などを提供しています。

目次

第1章 エグゼクティブサマリー

第2章 市場概要

• 市場の定義とセグメンテーション
• 市場力学
• バリューチェーン分析
• ポーターのファイブフォース分析
• COVID-19の影響分析
• ウクライナ・ロシア紛争の影響
• 経済概要
• PESTLE分析
• 米国の短期介護保険市場の見通し、流通チャネル別、金額（10億米ドル）、数量（件数）、2019年～2031年
• 米国の短期介護保険市場の見通し、年齢層別、金額（10億米ドル）、数量（件数）、2019年～2031年
• 米国の短期介護保険市場の見通し、プランタイプ別、金額（10億米ドル）、数量（件数）、2019年～2031年
• 米国の短期介護保険市場の見通し、エンドユーザー別、金額（10億米ドル）、数量（件数）、2019年～2031年

第3章 競合情勢

• 流通チャネル別vsプランタイプ別ヒートマップ
• 企業市場シェア分析、2024年
• 競争ダッシュボード
• 企業プロファイル
  • EHealth Insurance Services Inc.
  • VitalOne Health
  • Cox HealthPlans LLC,
  • Wisconsin Physicians Service
  • Guarantee Trust Life Insurance Company
  • Cigna.
  • Illinois Health Agents, Inc.
  • Bankers Fidelity Life Insurance Company
  • United HealthCare Services, Inc.
  • Everest Re Group, Ltd.

第4章 付録

The US short-term care insurance market is poised for significant expansion, with projections indicating its growth from USD 48 billion in 2024 to USD 96.3 billion by 2031, at a CAGR of 10.50%. As a cost-effective alternative to traditional long-term care insurance, short-term care policies provide immediate, temporary coverage for individuals requiring medical care due to illness, injury, or disability. With healthcare becoming increasingly expensive, more consumers are turning to short-term care insurance as a practical option for managing medical expenses, fueling the growth of this dynamic market.

Market Overview

Short-term care insurance is designed to cover a limited period, generally up to 12 months, helping policyholders pay for essential care when they are unable to perform daily activities due to medical issues. This type of insurance offers temporary solutions without the long-term financial commitment associated with traditional care plans. It covers services like home healthcare, adult daycare, and stays in assisted living facilities, making it an appealing option for those seeking more flexible coverage.

The market's growth is propelled by the increasing costs of healthcare and an aging population, which is driving up demand for care services. Moreover, technological advancements, such as the integration of big data and cloud computing, are streamlining insurance operations, improving policy accessibility, and boosting market efficiency.

Key Growth Drivers in the US Short-Term Care Insurance Market

1.Affordable Premiums: A primary factor fueling market growth is the affordability of short-term care insurance compared to long-term care options. Consumers are increasingly drawn to these plans due to their cost-effectiveness, with insurers offering competitive premium rates. As healthcare costs continue to rise, the demand for budget-friendly insurance solutions is expected to grow, leading to a broader customer base for short-term care insurance providers.

2.Immediate Coverage for Temporary Needs: The ability to secure immediate coverage for temporary medical needs is another key driver of the short-term care insurance market. Individuals who face sudden health issues often require quick access to care without committing to extended insurance plans. Short-term care insurance addresses these needs, offering peace of mind with its flexible coverage options. As a result, more consumers are expected to seek out temporary insurance solutions to avoid depleting their savings during unexpected health events.

3.Aging Population and Rising Demand: As the US population continues to age, the demand for care services such as home healthcare, nursing homes, and assisted living is on the rise. Short-term care insurance provides an accessible means for aging individuals to afford these services without exhausting personal resources or relying on long-term policies. This demographic trend is expected to be a key driver of market growth in the years ahead.

Market Challenges and Barriers

Despite its potential for growth, the short-term care insurance market faces several challenges. One of the primary obstacles is the limited scope of coverage offered by these policies. Typically, short-term care insurance plans provide fewer benefits compared to standard health insurance and often exclude services for pre-existing conditions, preventive care, and prescription drugs. Additionally, these plans are not renewable, with coverage lasting only six to 12 months, which can deter some consumers with ongoing healthcare needs.

Opportunities for Market Innovation

Despite these hurdles, the short-term care insurance market offers significant opportunities for innovation. Insurers have the chance to develop products that address existing coverage gaps, such as those arising from employment changes or health insurance transitions. By designing policies that cater to the specific needs of underserved demographics-such as freelancers, contractors, and other gig economy workers-insurers can tap into a growing market segment. This flexibility could also benefit individuals who do not have access to traditional insurance plans, helping insurers reach new customer bases.

Impact of Technology on the Short-Term Care Insurance Market

Technological advancements like big data and cloud computing are reshaping the Analysis of the US short-term care insurance market. Through big data, insurers can collect and analyze large volumes of consumer information, allowing them to better assess risk, customize policies, and optimize operational efficiency. This not only improves the underwriting process but also enhances marketing strategies and claims management, giving companies a competitive edge.

Cloud computing also offers transformative potential, enabling insurers to streamline operations, reduce overhead costs, and improve data security. These innovations are expected to continue driving the market forward by making insurance products more accessible, affordable, and efficient for both providers and consumers.

Segment Insights

1.Dominance of Agents and Brokers: Agents and brokers play a pivotal role in the US short-term care insurance market, facilitating a significant portion of policy sales. Acting as intermediaries between consumers and insurance companies, they help individuals navigate the often complex insurance Analysis, providing personalized advice that matches consumer needs with the right policies. Their influence is expected to remain strong as more people seek guidance in choosing the best insurance solutions.

2.Growing Popularity of Standalone Policies: Standalone short-term care insurance policies are increasingly in demand, particularly those compatible with preferred provider organizations (PPOs). These policies offer greater flexibility and cost savings, which appeal to consumers looking for temporary solutions. As demand for PPO-compatible plans grows, this trend is expected to contribute significantly to the overall market expansion.

Competitive Analysis:

• EHealth Insurance Services Inc.
• VitalOne Health
• Cox HealthPlans LLC,
• Wisconsin Physicians Service
• Guarantee Trust Life Insurance Company
• Cigna.
• Illinois Health Agents, Inc.
• Bankers Fidelity Life Insurance Company
• United HealthCare Services, Inc.
• Everest Re Group, Ltd.

Market Segmentation

By Distribution Channel:

• Direct Sales
• Brokers/Agents
• Banks
• Others

By Age Group:

• Senior Citizens
• Adults
• Minors

By Type of Plan:

• Preferred Provider Organizations (PPOs)
• Point of Service (POS)
• Health Maintenance Organizations (HMOs)
• Exclusive Provider Organizations (EPOs)

By End User:

• Groups
• Individuals

Table of Contents

1. Executive Summary

• 1.1. U.S. Short-term Care Insurance Market Snapshot
• 1.2. Future Projections
• 1.3. Key Market Trends
• 1.4. Regional Snapshot, by Value an, 2024
• 1.5. Analyst Recommendations

2. Market Overview

• 2.1. Market Definitions and Segmentations
• 2.2. Market Dynamics
  • 2.2.1. Drivers
  • 2.2.2. Restraints
  • 2.2.3. Market Opportunities
• 2.3. Value Chain Analysis
• 2.4. Porter's Five Forces Analysis
• 2.5. COVID-19 Impact Analysis
  • 2.5.1. Supply
  • 2.5.2. Demand
• 2.6. Impact of Ukraine-Russia Conflict
• 2.7. Economic Overview
  • 2.7.1. World Economic Projections
• 2.8. PESTLE Analysis
• 2.9. U.S. Short-term Care Insurance Market Outlook, By Distribution Channel, Value (US$ Bn) and Volume (Units), 2019 - 2031
  • 2.9.1. Key Highlights
    • 2.9.1.1. Direct Sales
    • 2.9.1.2. Brokers/Agents
    • 2.9.1.3. Banks
    • 2.9.1.4. Others
• 2.10. U.S. Short-term Care Insurance Market Outlook, By Age Group, Value (US$ Bn) and Volume (Units), 2019 - 2031
  • 2.10.1. Key Highlights
    • 2.10.1.1. Senior Citizens
    • 2.10.1.2. Adults
    • 2.10.1.3. Minors
• 2.11. U.S. Short-term Care Insurance Market Outlook, By Type of Plan, Value (US$ Bn) and Volume (Units), 2019 - 2031
  • 2.11.1. Key Highlights
    • 2.11.1.1. Preferred Provider Organizations (PPOs)
    • 2.11.1.2. Point of Service (POS)
    • 2.11.1.3. Health Maintenance Organizations (HMOs)
    • 2.11.1.4. Exclusive Provider Organizations (EPOs)
• 2.12. Market Attractiveness Analysis
• 2.13. U.S. Short-term Care Insurance Market Outlook, By End User, Value (US$ Bn) and Volume (Units), 2019 - 2031
  • 2.13.1. Key Highlights
    • 2.13.1.1. Groups
    • 2.13.1.2. Individuals
  • 2.13.2. Market Attractiveness Analysis

3. Competitive Landscape

• 3.1. By Distribution Channel vs By Type of Plan Heatmap
• 3.2. Company Market Share Analysis, 2024
• 3.3. Competitive Dashboard
• 3.4. Company Profiles
  • 3.4.1. EHealth Insurance Services Inc.
    • 3.4.1.1. Company Overview
    • 3.4.1.2. Product Portfolio
    • 3.4.1.3. Financial Overview
    • 3.4.1.4. Business Strategies and Development
  • 3.4.2. VitalOne Health
    • 3.4.2.1. Company Overview
    • 3.4.2.2. Product Portfolio
    • 3.4.2.3. Financial Overview
    • 3.4.2.4. Business Strategies and Development
  • 3.4.3. Cox HealthPlans LLC,
    • 3.4.3.1. Company Overview
    • 3.4.3.2. Product Portfolio
    • 3.4.3.3. Financial Overview
    • 3.4.3.4. Business Strategies and Development
  • 3.4.4. Wisconsin Physicians Service
    • 3.4.4.1. Company Overview
    • 3.4.4.2. Product Portfolio
    • 3.4.4.3. Financial Overview
    • 3.4.4.4. Business Strategies and Development
  • 3.4.5. Guarantee Trust Life Insurance Company
    • 3.4.5.1. Company Overview
    • 3.4.5.2. Product Portfolio
    • 3.4.5.3. Financial Overview
    • 3.4.5.4. Business Strategies and Development
  • 3.4.6. Cigna.
    • 3.4.6.1. Company Overview
    • 3.4.6.2. Product Portfolio
    • 3.4.6.3. Financial Overview
    • 3.4.6.4. Business Strategies and Development
  • 3.4.7. Illinois Health Agents, Inc.
    • 3.4.7.1. Company Overview
    • 3.4.7.2. Product Portfolio
    • 3.4.7.3. Financial Overview
    • 3.4.7.4. Business Strategies and Development
  • 3.4.8. Bankers Fidelity Life Insurance Company
    • 3.4.8.1. Company Overview
    • 3.4.8.2. Product Portfolio
    • 3.4.8.3. Financial Overview
    • 3.4.8.4. Business Strategies and Development
  • 3.4.9. United HealthCare Services, Inc.
    • 3.4.9.1. Company Overview
    • 3.4.9.2. Product Portfolio
    • 3.4.9.3. Financial Overview
    • 3.4.9.4. Business Strategies and Development
  • 3.4.10. Everest Re Group, Ltd.
    • 3.4.10.1. Company Overview
    • 3.4.10.2. Product Portfolio
    • 3.4.10.3. Financial Overview
    • 3.4.10.4. Business Strategies and Development

4. Appendix

• 4.1. Research Methodology
• 4.2. Report Assumptions
• 4.3. Acronyms and Abbreviations