Executive Summary
The EBRI/Greenwald & Associates Consumer Engagement in Health Care Survey (CEHCS) is an online survey that examines issues surrounding consumer-driven health care, including the cost of insurance, the cost of care, satisfaction with health care, satisfaction with health care plans, reasons for choosing a plan, and sources of health information. It is co-sponsored by the Employee Benefit Research Institute (EBRI) and Greenwald & Associates, with support from seven private organizations.
The 2017 survey was conducted online Aug. 10 to Sept. 1, 2017, using the Ipsos’ consumer panel. Over 3,560 adults ages 21?64 who had health insurance provided through an employer, purchased directly from a carrier, or purchased through a government exchange participated in the survey. However, most survey participants (82 percent) received coverage through an employer. The sample was weighted to reflect the actual proportions in the population ages 21– 64 with private, health-insurance coverage.
This Issue Brief focuses on differences in consumer engagement in health care by generational cohorts – i.e., Millennials, Baby Boomers, and Gen Xers.
Key findings:
- Millennials are more satisfied than other generational cohorts with various aspects of their health coverage. More than other generational cohorts, Millennials are satisfied with their health coverage, outpocket costs, and health plan choices.
- Millennials and Generation X engage with health care providers differently than Baby Boomers. Baby Boomers are more likely than Gen Xers and Millennials to have a primary care provider (PCP). Among those with a PCP, Baby Boomers are more likely than Generation X and Millennials to report that they make healthier lifestyle choices after seeing a PCP; that it is important that their PCP knows them and their medical history personally; that their PCP is aware of all of the other medical care that they receive; and that they are comfortable telling their PCP about their health issues. Both Millennials and Generation X are more likely than Baby Boomers to report that they have used a walk-in clinic.
- Millennials have the highest rates of wellness program participation. Millennials are nearly across the board more likely than Baby Boomers to participate in various aspects of wellness programs. They are more likely to report that they have visited an on-site clinic; made a tobacco-free pledge or participated in a smoking cessation program; participated in counseling or stress management training; participated in activity-based wellness challenges; received reimbursement for fitness club memberships; attended free seminars; and received financial wellness resources. Millennials are less likely than Baby Boomers to have completed a health risk assessment or biometric screenings.
Millennials are more likely than Baby Boomers and Gen Xers to get engaged in researching health care options. For Fi Mi Mi C A Eg ndn o ppendi ur ll ll nclus e e e nnial nnial 5, otPe eion x s rc — e s snt Me have and G Wit th a ho t e P do he rn im logy X a highe re y rCsa rar es Pt e r ov rm at ide o e rr ................................ s e o ac f m tive any H S he Aalt inv ................................ hy es be tor havio s than Ba rs ................................ by Boomers ........ 8 Paul Fronstin is director of the Health Education and Research Program at the Employee Benefit Research Institute Consumer Engagement in Health Care Among Millennials, example, Millennials are more likely than the other generational cohorts to report that they found cost information; (EBRI). Edna Dretzka is senior director of healthcare at Greenwald & Associates. This Issue Brief was written with Mille Mille Thi The s fin nni nni Issu da aings p ls ls e B a ar nd re ie rfm e G foc sent o er n X e us e lik e e dr s on e s in t ly a rthi e o d s p iff m ree or p a ror e p enc e tlik rt e h w e s in c a ly etr e t tha he d on e n B yr su iv enga a e m b de y fr g r B e om eoome nga in he th ge r e a s t m 2017 lthy e o nt r b e in he e E pha B orRI tv ior a t/Gr h lta h c s t t e e th he a nw a re n ya b G ld ay r e e n X & Mill in At e e se rsoc nni r se a st a ind a ls etd e , B s C B in a ab b inv on yy B su B eoome st oome m ing er rE so rss, a nga . m Mo e nd g re of em G te e he nt n Baby Boomers, and Generation X: Findings from the 2017 1 Figure 6, Opinions About Relationship with Primary Care Provider (PCP), Among Those with a PCP (Percentage That checked whether a health plan would cover care or medication; checked the quality rating of a doctor or hospital before See http://www.pewresearch.org/fact-tank/2016/04/25/millennials-overtake-baby-boomers/ spe Xe m in Hea one rs ca . ifi ss y The c lt a in t ih st lly C a su , he nc atrrhe e ir e v e Sur f H y y r e om a found a v rlt e e h Sa t ym he (or C pIE v e rniH ofo ngs st lik CiS) te und ut ly A , e c a t’c o s r n o d ount iff sa enli e sea yr s (H e ne tnc ha rc su h a e tS s b t A rhe v s) nd e yy y in c e rohor te d h st g it ao ula or t cte ia k . r x s, lMi l s a ym b t lle ea ond ine xe ff nni s. rs is c s, a a is A ls e ny su nd a (e Fi rv e s s ie g m m ur w ut ur u e s e u rc ound a 12 h mo xpress l funds ) aing nd re esa t c ( dhe Fi o tin t ns ig s yur fied um a hi e re s r e 11 tr m ha e -)d o p . n B rr or iThey a e v te lik a n he a br e y ely B r t a hose e t oome lt o a h ca rls eo p of ror rs m etta , o he nd t rh e at Cons Stu rong mlye or r E Somn eg wha atg Age rem e We ith th nte i St n a He temena t) ................................ lth Care Su................................ rvey ....................... 9 receiving care; talked to a doctor about prescription options and costs; talked to a doctor about treatment options and authors and should not be ascribed to the officers, trustees, or other sponsors of EBRI, Employee Benefit Research G t inc lik he een luding y ly Xe ha to rvsre e tw he p ait or nor h r c t os te m hspe ta aof tl w tche ins te tight y o u a rsev a r e n ( c Fi e int erg , aur el a trhe e espe st 13 ceost d c ). tin a s of H of ow u cta t e he om rve e ir , ra , sa he tMille ic ta isf inv lth ann c ec tsion w ov ia tm ls ee ra nt arit g e h he e fe a . a ls They e to u alt rm e h s or cfor nga e a rlik e unu , gesa ely w sed t is tit ha fh he a n H ctSA B ion w a a lt b fun h c y it B d a h he oome sr. e G pa e rlr ov n X ts h c ide or ear r G s a re s d e p n X re iff la m ns e erro e , sr nt e to ly 2 March 5, 2018 • No. 444 Note also that just because an individual initially asks for a brand name prescription does not mean they get it. costs; tried to find the cost of health care services before getting care; developed a budget to manage health care t lik r rha e ep a eson n B or lyI ns tt h a s for tth b a ita n B yu t t B t e c oome he a -hoo b Ey y d uc sm B siroome ng a so t . ion k A a end p rca s la iga nd Mill tn, o rRe e sa e atnni nd ty sea e s ( ta sour ha ls rFi c th Fund ha gha c ue v rv s of e eing t 14 he (he ). a E n HS highe BaR ltIh infor -E Ast RF ha r)a s e , m te or a s of m ttion p how ew ir . e The est lln re ad e ff20 ss s. N the 1 p7 m re og it C the E o ra Hm r m C E S ap B kw a R er a Itb ic s nor eic tptond a e E trion, B he uc RI a t-t e lE tho d h c RF lob w ugh a itrhin e tb a he ie nd the y s or fin a Unit re a t a nc le k ess e id as l By Paul Fronstin, Ph.D., Employee Benefit Research Institute and Edna Dretzka, Greenwald & Figure 7, Walk-in Clinic Usage ................................................................................................................................ 9 Many insurance plans automatically substitute generic drugs for brand name prescriptions. Furthermore, once an expenses; and used an online cost tracking tool provided by a health plan to manage expenses (Figure 8). positions on specific policy proposals. EBRI invites comment on this research. d lik St ea e ctly is e ions s b tha en B .t we ae bn Au y Boome g. 10 rs and to ha Sevpet . c1, 201 omple7 te , dt hr a o he ugh alth r a 15 isk- m ass inu ess te m int ent er ne ort bsu iom rve ey tr. ic The scre na enin tion ga sl o . r base sample was Associates individual sees the difference in the cost sharing between the generic and brand name prescription, he or she draw n from Ipsos’ online panel of internet users who have agreed to participate in research surveys. Over 2,300 adults Figure 8, Cost-conscious Decision Making, Among Individuals Receiving Care in Last 12 Months ............................... 10 may then decide to accept the generic drug. Millennials are the most likely group to request a brand name instead of a generic. This finding may seem counter The Millennial generation numbers over 75 million, which is currently larger than the baby-boom generation of about Copyright Information: This report is copyrighted by the Employee Benefit Research Institute (EBRI). It may ages 21-64 who had health insurance through an employer, purchased directly from a carrier, or purchased through a Introduction intuitive, though there are some possible explanations for it. One explanation may be that Millennials may be more 3 74.9 million. In addition, population of Generation X is projected to pass the ageing baby-boom generation in size in Figure 9, Wellness Program Participation ............................................................................................................... 11 g Co oveb rn e nm us s eu e nt d m e w xc ite hout har nge E p ewn rm erg is esi a don rag w be n r utm a cndo itae tio m n n o lyt i fr f th om n e He tsour he Ic pea s os sa islth req m uir C ple ed a for . r te hi s b Amo ase sam n pg le. M This sa illen mple n waial s strs at, ified by In theory, a random sample of 2,000 yields a statistical precision of plus or minus 2.2 percentage points (with 2 likely to state a preference than the other age groups. Another explanation may be that Millennials are unaware that The Millennial generation, also known as Millennials or Generation Y, is the demographic cohort with birth years ranging about a decade. It is therefore no surprise that employers are interested in the role of Millennials in the labor force and 95-pe rcent confidence) of what the results would be if the entire population ages 21–64 with private health gender, age, region, income, and race. The response rate was 10 percent. As a non-probability sample, traditional Baby Boomers, and Generation X: Findings from the 2017 generic drugs are bioequivalent to brand name drugs. Fi from gur e 19 10 77 , Itn o te 20 re0st 0 in Te (Straus lem s e ad nd icine How (Pee r 19 ce91 nt) Re . The portMille ing Tha nniatl g Te ele ne m ra etdion num icine Opbte ion is E rs over xt 75 rem m eill lyion, or Ve whi ryc h is Impor cutra re nt n)t l..... y 11 how that might be different from the roles of prior generations. It is important for employers to understand differences insurance coverage were surveyed with complete accuracy. There are also other possible sources of error in all surve Rye m co amm rgin-e of n-de errd or C eit sta im tio ate n: s d Po aul Fr not o ap ns ptly in. a nd Edna Dretzka, “Consumer Engagement in Health Care Among Consumer Engagement in Health Care Survey larger than the baby-boom generation (individuals born 1946-1965) of about 74.9 million. In addition, the population of in g survee ne ys t rathion at m al coho ay be rt m s tore o b ese tte riou r ad s t aphta tn o tah c eh ore anging tical c waor lck ufor latc ion e. s of For ins sam tan pling er ce, emror ploy . T erh s m ese a i yn ne clu ede d t re o efnga usag ls t e o be Millennials, Baby Boomers, and Generation X: Findings from the 2017 Consumer Engagement in Health Care Figure 11, Attitudes Toward Health Savings Accounts (HSAs), Among Those With an HSA (Percentage That Strongly or Generation X (those born 1966-1976 and also known as Gen Xers) is projected to pass the ageing baby-boom interviewed and other forms of nonresponse, the effects of question wording and question order, and screening. B Mille ecanni usea ls the d iff ba ese rent sa lym tp ha len o (na ldte ion r g ae l s ne arm atpions le) inc belude caus de only of d iff 354 ereindiv nt expe idua clts in a ations a CD nd HPe a xpe nd r275 ience indiv s reg idua ardling s wit he h a altn H h cD arH eP , By Pa Surul Fro vey,” Ens BRtI Issue in, Ph.D. Brie,f E , nmplo o. 444 ye (Eem Be plone yeefi B t R ene efit se Re arch I search I nsn titut stitut ee , aMa ndr cEd h 5na , 20 Dre 18). tzka, Greenwald & 1 Somewhat Agree With the Statement) ...................................................................................................... 12 While attempts are made to minimize these factors, it is impossible to quantify the errors that may result from generation in size by 2028. a and n ov he eraslt ah mc pov le eof rag indiv e as a idun e alsm wpitloy h a e e C D be Hne P or fit . H H D ow HPe v w ea rs a , an o dde pd e. n q The ue ov stion is w ersamphe le in the clud r the ed w 747 ay Mille indivnni idua als ls e w nga ith g ae C w Dit Hh P Associates them. a the nd he 515 alth c indiv aridu e sy als st e w m it h ch aa n nH ge Ds a HPs t , rhe esu ylt aing ge, in and a tot as aa l s hi am ghe ple r p (b ea rcse ent pa lus ge ov of etrhe sam m pm leo )v of e a 1, w101 ay frfor om t he be ing CDH dP e pgernd oue pnt as nd Report availability: This report is available on the Internet at www.ebri.org Figure 12, Average Days Per Week Exercised at Least 30 Minutes, In Past Four Weeks, by Age Cohort ...................... 12 There is a lot of interest in how Millennials differ from prior generations. Much of the research reflecting this interest on 790 the for ir tp he ar e Hn DtH s’ Pp la grns oup . . Mille Aftenni r fa ac ls tor ming ay a ou nstw the er q bue ase stions sam p one le— w the ay 25 tod 9 ind ay biv eidu cauase ls w of itth a heir C c Dur Hr Pe nt and lift ehe sta 25 ge5 ind , but iv th id aua t ls A T A G L A N C E examines Millennials in the context of retail markets because of their spending power. Employers are interested in the w m Fiit g aur h a y c eha n HD 13 nge , W H P e in t — ight the he Ra r fut enge w ure er , . eb W y 1, hil A 67 g e4 ind e e C m ohor piv loy idua te (rB s sh ls a sed in t ould he on b sSe e atm tlfe p -rrl e eunde pw or itth tr e rst d a a H nd d eiight tiona how al he nd diffa W eltre h eight nt cov w )e ................................ or ra kg ee rs . may react to diff .............. erent pla 13 n 2017 Consumer Engagement in Health Care Survey Underwriters role of Millennials in the labor force and how that might be different from the roles of prior generations. For example, design features and other efforts to engage workers in their health, and use of health care services, they should also The EBRI/Greenwald & Associates Consumer Engagement in Health Care Survey (CEHCS) is an online survey that as employers try to better engage their workers in their health care, they want to understand how different workers In addition to being stratified, the base sample was also weighted by gender, age, education, region, income, and Figure 14, Percent Who Smoke Cigarettes, by Age Cohort ...................................................................................... 13 understand that to some degree they may be facing a moving target as Millennials age. examines issues surrounding consumer-driven health care, including the cost of insurance, the cost of care, satisfaction 3 This survey was made possible with funding support from the following organizations: Blue Cross and Blue Shield may react to different plan design features and other engagement efforts. race/ethnicity to reflect the actual proportions in the population ages 21–64 with private, health-insurance coverage. with he Assa olt ch iatcion, are, Fi sa dteis lit fa yc Itn ion ve st wm ith he ents, Hea alth clatr hE e q pui lat nys, r , In ec a., sons for Nationa cl Rur hoosi ang l Elec a p trla icn, Coop and esour rativcee s of Assohe ciaatlt ion, h inOp fortm um at, ion Inc . ., It The CDHP and HDHP oversamples were weighted by gender, age, income and race/ethnicity, using the demographic This Issue Brief focuses on differences in consumer engagement in health care by generational cohorts – i.e., is co-sponsored by the Employee Benefit Research Institute (EBRI) and Greenwald & Associates, with support from and Prudential Financial, Inc. profile of the CDHP and HDHP respondents to the omnibus survey described below. H ealth plan trade-offs Millennials, Baby Boomers, and Gen Xers. seven private organizations. When it comes to the various trade-offs that plan participants report that they are willing to make, we found only one While panel internet surveys are nonrandom, studies have demonstrated that such surveys, when carefully designed, Table of Contents difference between Millennials and Baby Boomers: Millennials are less likely than Baby Boomers to report that they The 2017 survey was conducted online Aug. 10 to Sept. 1, 2017, using the Ipsos’ consumer panel. Over 3,560 adults obtain results comparable with random-digit-dial telephone surveys. (Taylor 2003), for example, provided the results Baby Boomers and Millennials have higher health coverage satisfaction rates than Introduction .......................................................................................................................................................... 4 prefer a health plan with higher up-front out-of-pocket costs and lower premiums and incentives to shop for the most ages 21-64 who had health insurance provided through an employer, purchased directly from a carrier, or purchased from a number of surveys that were conducted at the same time using the same questionnaires both via telephone and Gen Xers efficient services using cost and quality information (Figure 4). However, there are more differences between Gen Xers B thr ab oug y Bh oome a gov rs a ernm nd e Mille nt enni xcha als ha nge vpea r highe ticipart e he d a in t lth co he v su er ra vg ey e. sa How tisfe av ce tion r r, mos ate t s t suha rve n G y pean X rtice ip rs a ................................ nts (82 percent) receiv ....... ed 4 online. He found that the use of demographic weighting alone was sufficient to bring almost all of the results from the When it comes to overall satisfaction with their health care plan, 55 percent of Baby Boomers and 56 percent of and Baby Boomers. Gen Xers are more likely than Baby Boomers to prefer a health plan with lower premiums, lower coverage through an employer. The sample was weighted to reflect the actual proportions in the population ages 21– Mille onlinnni e su als rv e ay re c m lose oret o satthe isf ie redp lie tha s fr n G om en X the er p s a arnd alleB l te oome leph rs one wit su h fina rvey n. cH iae l a aspe lso found cts of tthe hairt p in so lan ................................ me cases propensity ..... 4 Millennials are extremely or very satisfied (Figure 1). Baby Boomers and Millennials are generally in line when it comes out-of-pocket costs, limits on choice of doctors and pre-approval for various health care services. Gen Xers are less 64 with private, health-insurance coverage. weighting (meaning the propensity for a certain type of person to be online) reduced the remaining gaps, but in other Mille to sanni tisfa als ct ion w are mit oh t re h sa e tq isf ua ielit d yt ha of n o thetir he he r g ae ltne h c ra atrion e re ac l coh eiveor d tas w nd it the h e e nr aollm se of en gte ................................ tting doctor appointm........................... ents (about two- 4 likely than Baby Boomers to prefer a health plan with higher premiums, higher out-of-pocket costs, a wide selection of cases it did not reduce the remaining gaps. Perhaps the most striking difference in demographics between telephone thirds are extremely or very satisfied). However, Gen Xers are generally less satisfied than other generations with Thi s Issue Brief focuses on differences in consumer engagement in health care by generational cohorts – i.e., doctors and no prior approvals for health care services. They are also less likely to prefer a health plan with higher out- Health plan trade-offs ............................................................................................................................................ 6 and online surveys was the under-representation of minorities in online samples. v arious aspects of their health coverage: only 47 percent note they are extremely or very satisfied overall with their Millennials, Baby Boomers, and Gen Xers. of-pocket costs, lower premiums and incentives to shop for the most efficient services. Millennials and Gen Xers engage with health care providers differently than Baby Boomers ........................................ 6 health care plan. Key findings: Mille Refe nni ra e lsnce have s t he highest rates of wellness program participation .......................................................................... 9 Millennials and Gen Xers engage with health care providers differently than Baby Strauss, William, and Neil Howe. Generations: The History of America's Future, 1584 to 2069. Harper Perennial, 1991. Mi Mille llnni ennial als and sG ar en X e em rs a or ree m sor at e is acfi tive ed HSA than G investor es t n h X ae n B rs a band B y Boome oro s ................................ mers with financ ............................. ial aspects o11 f Boomers ? Millennials are more satisfied than other generational cohorts with various aspects of their health their plan coverage. More than other generational cohorts, Millennials are satisfied with their health coverage, out- Mille Babynni Boome als ha rs a ve rte he m highe ore lik ste lrya tte ha s of n Gm en X anye he rs a alt nd hyMille beha nni via or lss ................................ to have a primary care ................................ provider (PCP). Eight................... y-five percent 12 Taylor, Humphrey. "Does Internet Research ‘Work’? Comparing Online Survey Results With Telephone Surveys." With respect to out-of-pocket costs, Millennials are more satisfied than Gen Xers and Baby Boomers. About one-half (53 pocket costs, and health plan choices. of Baby Boomers have a PCP, compared with 78 percent among Gen Xers and 67 percent among Millennials (Figure 5). International Journal of Market Research 42, No. 1 (August 2003). Conclusion ...........................................................................................................................................................12 percent) of Millennials are extremely or very satisfied with out-of-pocket costs for prescription drugs, compared with 45 ? Millennials and Generation X engage with health care providers differently than Baby Boomers. Among those with a PCP, Baby Boomers are more likely than Gen Xers and Millennials to report that they make Appendix—Methodology ........................................................................................................................................14 percent of Baby Boomers and 44 percent of Gen Xers (Figure 2). Similarly, 42 percent of Millennials are extremely or Baby Boomers are more likely than Gen Xers and Millennials to have a primary care provider (PCP). Among he althier lifestyle choices after seeing a PCP; that it is important that their PCP knows them and their medical history Millennials have the highest rates of wellness program participation very satisfied with out-of-pocket costs for other medical services, compared with about one-third among Baby Boomers those with a PCP, Baby Boomers are more likely than Generation X and Millennials to report that they make p Re erfe sona renc lle ys ; ................................ that their PCP is awar................................ e of all of the other me ................................ dical care that they re ................................ ceive; and that they a ........................... re comfortable 14 Millennials are nearly across the board more likely than Baby Boomers to participate in various aspects of wellness a nd Gen Xers. healthier lifestyle choices after seeing a PCP; that it is important that their PCP knows them and their medical telling their PCP about their health issues (Figure 6). While these differences are statistically significant, they are not programs. They are more likely to say they have visited an on-site clinic; made a tobacco-free pledge or participated in Endnotes .............................................................................................................................................................15 history personally; that their PCP is aware of all of the other medical care that they receive; and that they are large in magnitude. Millennials are more likely than Baby Boomers to report that their PCP does not have the expertise a smoking cessation program; participated in counseling or stress management training; participated in activity-based comfortable telling their PCP about their health issues. Both Millennials and Generation X are more likely than t o deal with complex health issues, and that they rely on themselves more than their PCP to make medical care Millennials are more satisfied than other generational cohorts with enrollment wellness challenges; received reimbursement for a fitness club membership; attended free seminars; and received Figures Baby Boomers to report that they have used a walk-in clinic. decisions. W finhe ann cia itl w com elln es ess to rveasour rious c ea s ( spFi ec gtur s of e 9) he . a Mille lth p nni lan ch als w oiecre es, leMille ss lik nni elya ls tha an B re m ab oy re B sa oome tisfie rs d tto ha sa n B y taha byt B the oome y ha rv s a e nd com Gpele n ted Figur ?e 1, M Sa illen tisfa n cials tion Wit havh V e th are iou hs igA hspe est r cts of ates H of w ealth C ellon ves era sg prog e (Perra ce m nt p aa ge rti Ecxitp re am tie oln y. or Mille Venni ry Sa alst is afied re ne ) .................... arly across the 6 a Xe he rs. alt Mille h ris nni k a ass ls a ess rem m en or t eor lik beiom ly te ha trn B ic sc ab re ye B nin oome gs. r For s a nd theG m en X ost e pra sr t to , G be en X ext erre s a me nd ly B or a b vy e rB yoome satisfrie s d re w pit or h th t tha e te tahe se yof have Both Millennials and Gen Xers are more likely than Baby Boomers to report that they have used a walk-in clinic. Only 14 board more likely than Baby Boomers to participate in various aspects of wellness programs. They are more p sele artc ictipa ing te ad he in w alth p ellnla en ss ; tphe rog in ra for mm s tao tio the n a svaam ila eb d lee g to rehe e. lp understand health plan choices; the number of health plans to Figure 2, Satisfaction With Financial Aspects of Health Coverage (Percentage Extremely or Very Satisfied)................... 6 percent of Baby Boomers report that they have used a walk-in clinic, compared with 18 percent among Gen Xers and likely to report that they have visited an on-site clinic; made a tobacco-free pledge or participated in a smoking choose from; and the availability of affordable health plans. Between 46 percent and 56 percent of Millennials are 30 percent among Millennials (Figure 7). cessation program; participated in counseling or stress management training; participated in activity-based Millennials and Gen Xers are more likely than Baby Boomers to report that a telemedicine option is extremely or very extremely or very satisfied with these aspects of health plan choices, whereas 29 to 46 percent of Baby Boomers and Figure 3, Satisf EBRI Is action Wit sue Bri h V ef is re ariou gists A eredspe in tc ht es of U.S. H Pae tea nltt h P and la Trn ad C emark hoic O es (P ffice.e Ir Sc Se Nn : t 0a 8g 87 e ? E 13x7tX re /9m 0 e 08 ly 8 7or ?1 3Ve 7Xr/y 90 Sa $ .t 5is 0+ fied .50 ) ................ 7 wellness challenges; received reimbursement for fitness club memberships; attended free seminars; and important. Forty percent of Millennials report that telemedicine is an extremely or very important option, compared with 33 to 46 percent of Gen Xers are extremely or very satisfied (Figure 3). This perhaps reflects their comfort in © 2018, Employee Benefit Research Institute ?Education and Research Fund. All rights reserved. received financial wellness resources. Millennials are less likely than Baby Boomers to have completed a health 27 percent among Gen Xers and 19 percent among Baby Boomers (Figure 10). 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