Sound

Demystifying health insurance

ROLE
TIMELINE
Product Designer
July - October 2022
METHODS
TOOLS
User research, user personas, user stories, low-fidelity & high-fidelity wireframes, prototyping, usability testing
Figma, Google Forms, Adobe Illustrator, Miro
Team
Solution
Solo project
An end-to-end responsive web design

PROBLEM

The health insurance industry operates in an archaic landscape, infamously difficult to navigate, and overwhelmingly complicated for all involved.

Challenge

How can a health insurance company address the growing demographic of consumers who prefer directly purchasing their policies without a third party?

Outcome

Well aware of this, Sound is disrupting its predecessors by pivoting towards selling health insurance policies directly to consumers through creating a better onboarding experience for millennials.

Define

Project Details

The goal for this project was not only to help Sound transition into the B2C market by creating a new responsive e-commerce website, but also to gain and establish trust with its users by designing a transparent onboarding process that would educate users, allow them to search for personalized options, and ultimately allow them to sign up for their desired policies. 

Research

Market and Competitive Analysis 

The first step of the research process was understanding the existing landscape and problem space. While Sound already had a set expectation of what needed to be designed, researching the market and user trends allowed me to uncover key information about millennial habits and sentiments when purchasing insurance that guided the way I ultimately framed the experience.

These key insights included: 

Trends in the use of insurtech
(Technological innovations created and implemented to improve the efficiency of the insurance industry) but not utilized by existing health insurance companies.
Lack of communication
No live chat support or only offering limited streams of communication.
Confusing site navigation
Many sites information bomb visitors, so there is no streamlined process to use the sight or learn more about their options without inputting personal information.

User Research

The second part of the research process was conducting interviews with users to understand their needs and frustrations when selecting their health insurance. I recruited participants who ranged from “never purchased health insurance before” to “have purchased their own health insurance” in order to uncover user sentiment about the health insurance selection process.

My findings revealed the following crucial findings:

Trust and reliability
Users tend to seek recommendations from friends/family or look to online reviews.
Desire for personalization
Rather than being upsold to the premium plan, there is an increased focus on personalized, usage-based coverage.
Need for simplicity and transparency
Users value clarity in their selection process, from understanding how health insurance works to signing up for the plan that best suits their needs.

User Personas

User research perspectives then guided and informed persona development.

From the research, I centered the user journeys and user stories throughout the design process on two individuals, Olivia and Thomas. My objective was to ensure that their challenges and goals were intentionally addressed from user research, which helped to focus the forthcoming design.

design

Ideation

Based on the key discoveries found during the research stage, I started constructing a user experience flow using paper sketches and digital wireframes to flesh out the navigation, quote flow, and customized policy selection experiences.

After coming up with the wireframes, I then prioritized human-centered design at every step by using inclusive illustrations, accessible color contrast, user-friendly visual elements, clear copy, and a simple and streamlined quote process.

visual design

Warm, personable, & trustworthy

After analyzing the branding of existing players in the health insurance industry, I designed UI elements that represented the image that Sound wanted to portray to its users, beginning with a suitable logo and color palette. The final UI kit serves as a framework to tie together logo, style, and visual assets for the Sound website.

Style Guide for Sound

usability testing

Uncovering design issues

I conducted usability testing both remotely over Zoom and in-person with participants varying in levels of health insurance experience to test the ease of navigation, identify bottlenecks, and observe the different paths users took to complete the quote flow.

Important discoveries

1. Users wanted to check out the site more before beginning to obtain a quote
2. Users enjoyed the concise and playful verbiage throughout the main pages, and wanted that theme to continue throughout the onboarding process
3. Users wanted a way to save their quote or to be able to return to their quote at a later time

Design Revisions

Based on these findings, I then prioritized the following revisions:

1. Created more ways and promptings to enter the quote wizard, so that users wouldn’t have to scroll back to the top of the home page to obtain their quote
2. Updated the onboarding copy to reflect a more playful tone
3. Added the option to enter contact information for users who want to return to their quote

The Final Product

Explore & Onboard

Feel free to play around with this interactive prototype lovingly designed and prototyped in Figma showcasing Sound's browser experience in tablet view, and complete the onboarding process for Sound Health.

Last Thoughts

The balance of business needs and user desires can be blurry.

As a User Experience Designer, my priority should be the user, but what if the company has other marketing/sales objectives in mind? For example, a health insurance company might try to push their most expensive plans on vulnerable, uninformed customers because that might be their success metric, but ultimately, I believe that an informed customer is a loyal, life-long customer, and that pays dividends in the long-run. 

Consideration of different personae for a single user flow.

I found that usability testing participants had different user flows, some were more exploratory and hesitant, needing more time and information to enter the quote process, and others were more decisive and wanted a frictionless experience.