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The Affordable Care Act increases insurance company accountability by supporting States’ review of premium increases, setting standards for the amount of premiums spent on benefits versus overhead (i.e., medical loss ratios), and posting insurance price information for transparency. A Small Business Health Care Tax Credit, reinsurance for early retirees, and premium assistance for uninsured people with pre-existing conditions have already provided targeted relief for millions of insured and uninsured Americans, and these changes are making a difference. Preliminary evidence suggests that rate increases for 2011 may be lower than in previous years. In addition, roughly 16.6 million. | www.pwc.com insurance What the future holds Insurance 2020 All insurance sectors have experienced dramatic change over the past decade. This will continue and even accelerate over the coming decade and not all of these trends may be favorable for insurers. Insurers who can anticipate and plan for change can create their future while others who are Fast Followers need to be agile enough to recognize the leaders and follow them. The Survivors are likely to be focused on shortterm performance. Which one are you June 2011 pwc What the future holds Contents Introduction 1 Social 2 Technological 3 Environmental 3 Economic 4 Political 5 Macro Scenarios 7 Making Sense of the Future 8 Contacts 10 Insurance 2020 PwC Contents What the future holds Introduction On January 1 2000 the global economy was peaking with booming stock and labor markets. The Internet was changing everything from how consumers bought insurance to how aircraft manufacturers bought supplies. Then the dot com boom quickly went bust and terrorists attacked the World Trade Center. After an extended slump western economies recovered from these shocks and reached new peaks in mid-2007 only to crash again in the most severe economic downturn since the Great Depression. Unlike previous cycles emerging economies quickly recovered from the financial crisis but developed countries are still struggling to get back on their feet. These events have profoundly affected the psychology and expectations of people around the world. The past decade has seen unprecedented social technological environmental economic and political STEEP changes see Figure 1 below . These changes have affected all global insurance sectors including personal lines commercial lines individual life annuities and retirement and group benefits. Some of these STEEP changes are likely to continue and even accelerate over the next decade. For example the rise of virtual communities via social networking the exponential growth of mobile internet the .
