At A Glance
Open enrollment is no longer just an acquisition event. Healthcare advertisers must attract new members, retain existing ones, and help consumers navigate increasingly complex coverage decisions, all within a compressed enrollment window. Experian Audiences help healthcare marketers identify and activate privacy-forward audiences across digital, social, connected TV (CTV), and direct mail, making it easier to reach consumers with relevant messaging before enrollment decisions are made.In this article…
Why open enrollment marketing for healthcare advertisers is challenging
Open enrollment is one of healthcare’s busiest marketing periods, compressing acquisition, retention, and member communications into a relatively short window. Consumers are reviewing plan changes, comparing coverage options, evaluating provider networks, and deciding whether to stay with their current insurer or switch to a new one. Healthcare marketers are also trying to reach audiences with very different needs, priorities, and motivations.
Open enrollment requires marketers to do more than generate interest. Healthcare advertisers need to explain plan options, communicate changes clearly, build confidence, and support informed decisions throughout the enrollment journey.

Retention plays a larger role in open enrollment than many marketers realize. For 2025, 24.2 million consumers selected Marketplace coverage, with more than 20 million returning or automatically reenrolled members. Medicare Advantage enrollment also reached approximately 35 million people in 2026, reinforcing that open enrollment is just as much about retaining existing members as acquiring new ones.
An effective audience strategy starts with recognizing that consumers enter enrollment season with different priorities. Understanding those priorities helps marketers align messaging, channels, and timing with how people navigate open enrollment.
Why privacy-aware measurement matters
Privacy-aware measurement matters because healthcare advertisers operate in one of the most highly regulated marketing environments. Every stage of the campaign lifecycle, from audience creation and activation to attribution and reporting, must balance marketing performance with responsible data practices and consumer trust.
As privacy expectations continue to evolve, healthcare organizations are rethinking how they measure campaign performance. Traditional approaches that rely heavily on browser-based tracking are becoming more difficult to maintain, creating greater demand for measurement strategies built around privacy-forward data practices.

Healthcare marketers still need to understand which audiences engaged with campaign messaging, which channels contributed to enrollment activity, and how marketing investments influenced business outcomes. The difference is that these insights increasingly depend on consumer privacy-conscious measurement approaches designed to support both regulatory expectations and long-term marketing performance.
Three audience signals shaping healthcare marketing during open enrollment
The audience strategy behind a successful open enrollment campaign is shaped by three key signals:
- Affordability is changing enrollment decisions.
- Provider networks are influencing plan selection.
- Enrollment journeys are becoming more fragmented across channels.
You can find the full taxonomies in the appendix below.
1. How affordability is changing audience strategy
Affordability is changing audience strategy as consumers approach open enrollment with very different financial realities and different definitions of value. Rising premiums, deductibles, and out-of-pocket costs are influencing how they compare plans, weighing not only monthly premiums but also provider access, prescription coverage, and overall value.
The data reflects that shift: 23% of insured working-age adults are considered underinsured, Marketplace deductibles have increased by 37%, and 61% of Marketplace enrollees report difficulty affording deductibles and other out-of-pocket costs. More than half also say premiums are difficult to afford. For healthcare advertisers, these financial differences create the need for distinct audience segments, from existing members reviewing annual plan changes to consumers seeking lower-cost coverage. Tailoring messaging to those priorities helps make enrollment communications more relevant.
Experian Audiences you can activate to address affordability and differing values
Insurance shopping signals
- Active Health Insurance Shoppers
- Insurance Shoppers
Cost-conscious/value-seeking consumers
- Careful Money Managers
- Deal Seeking Shoppers
- Frugal Living and Savings Focused Households
- Household Annual Income $50,000-$74,999
- Savvy shoppers
Premium/broader-value plan shoppers
- Brand loyalists
- Premium Spend Index Elite
- Quality shoppers
How to use these audiences
Activate audiences like Active Health Insurance Shoppers alongside Careful Money Managers to reach consumers who are actively comparing coverage options while also prioritizing affordability. Messaging can then highlight clear plan comparisons, predictable monthly costs, and deductible considerations to align with both their shopping behavior and financial mindset.
Build custom audiences with SDOH attributes
In addition to our syndicated audiences, Experian can also work with open enrollment advertisers to build custom audiences from our Social Determinants of Health (SDOH) data attributes, which can offer insight into how certain social and environmental factors may shape enrollment decisions.
These include models for:
- Access to care
- Access to medication
- Access to food
- Housing instability
2. How continuity of care influences enrollment decisions
Provider access plays a major role in enrollment decisions, as many consumers begin comparing plans by asking whether they can continue seeing the doctors, hospitals, pharmacies, and specialists they already trust. Cost remains a major factor, but continuity of care is becoming an increasingly influential part of open enrollment decision-making. Because health insurance options are often tied to geography, location-based audiences can serve as a foundational layer for targeting, helping advertisers ensure messaging is relevant to the plans, provider networks, and coverage options available in a given area.
Provider networks continue to vary significantly across the country. The average Marketplace enrollee has access to only about 40% of local physicians through their plan’s network, while 70% are enrolled in plans covering half or fewer nearby doctors. Access to behavioral healthcare providers can be even more limited.
For healthcare advertisers, this creates an opportunity to reach audiences for whom provider continuity matters most and communicate network access before enrollment decisions are made.
Experian Audiences you can activate to influence enrollment decisions
Existing insurance/Medicare-oriented consumers
- Medical Insurance Policy Holders
- Medicare Policy Holders
- Memberships: AARP Members
- Precision Medical Insurance Holders
Household and family care decision-makers
- At-Home: Families at Home (kids under 13)
- Child Age 0–36 Months
- Multigenerational Household
- Presence of Children in Household
Service-area audiences
- State
How to use these audiences
Activate audiences like Medical Insurance Policy Holders alongside Multigenerational Household segments to reach families managing care for multiple members, emphasizing continuity of care, in-network providers, and coordinated services that support household health needs.
3. Why life events and fragmented enrollment journeys require cross-channel activation
Consumers rarely make enrollment decisions after a single interaction. This is especially true for audiences with high enrollment intent, such as active health insurance shoppers, as well as consumers experiencing major life events that may trigger coverage evaluation, including new parents, recently married households, or individuals aging into Medicare.
These groups are more likely to require multiple touchpoints before making a decision. They move between enrollment resources, provider websites, search engines, licensed insurance agents, direct mail, social media, and conversations with family and friends before choosing a plan. Many begin by reviewing an Annual Notice of Change (ANOC), compare plans on HealthCare.gov or Medicare Plan Compare, and confirm whether their doctor is in-network before enrolling. In fact, 73% of Americans use at least three different sources to look for health information.
For healthcare advertisers, every interaction should reinforce that multiprong approach. Coordinating audience activation across channels, from direct mail and CTV to search, social media, and provider websites, helps create a more consistent enrollment experience and keeps messaging relevant throughout the decision journey.
Experian Audiences you can activate to target life events and fragmented enrollment journeys
Life events that can change care routines
- New Homeowners > Last 6 Months
- New Movers > Last 6 Months
- Newly Divorced Past 3 Months
- Newly Married Past 3 Months
Research and information-seeking audiences
- Highly Active Online Users
- Local News Readers
- News Readers and Followers
- Online Research-Dependent Consumers
Channel-driven audiences
- Active Instagram Users
- Engagement Channel Preference > Digital Display
- Engagement Channel Preference > Digital Video
- Engagement Channel Preference > Email Engagement
- Engagement Channel Preference > Streaming TV
- Social Network Content Engagers
How to use these audiences
Activate audiences like New Movers and New Parents alongside Online Research-Dependent Consumers and Highly Active Online Users to reach consumers navigating changing care needs, reinforcing plan education and enrollment messaging across digital touchpoints.
What sets Experian Audiences apart?
Our syndicated audiences give you an advantage across channels, offering both scale and accuracy:
- Experian’s 3,500+ syndicated audiences are available at over 200 leading activation platforms, including programmatic, social, TV destinations.
- Reach consumers based on who they are, where they live, and their household makeup.
We also help you build your own custom private marketplace through Curated Deals. Our team of media and audience experts will work with you to understand your campaign goals, audience needs, and any compliance restrictions to build, activate, and optimize your private marketplace.

Explore some of our Partner Audiences that complement Experian Audiences across key health use cases, with flexible activation through Experian’s data marketplace or leading activation platforms.
Open enrollment audiences from MARS Consumer Health
Current health insurance carrier members
- Aetna Health Insurance Members
- Blue Cross Blue Shield Health Insurance Members
- Cigna Health Insurance Members
Coverage status and insurance type
- Government Issued Health Insurance for Low Income People or Medicaid
- Health Insurance Marketplace or Exchange like Obamacare or Affordable Care Act
- Private or Selfpay Health Insurance
- Healthcare utilization and care relationship
- Frequent Doctor Visitor
- Frequent Hospital User Propensity
- Frequent Urgent Care User Propensity
Open enrollment audiences from AnalyticsIQ
Access to healthcare audiences
- Has access to Medical Supplies
- Has Reliable Transportation Access
- Healthcare Cost Barriers
- Healthcare Transportation Barriers
- Healthcare Work Schedule Barriers
Health research and information channels audiences
- Facebook Health Forums
- Health Education Websites
- Online Patient Community or Advocacy Group
- Provider or Hospital Website
- Reddit Health Topics
Need a custom audience? Reach out to our audience team, and we can help you build and activate an Experian audience on the platform of your choice.
Want to activate an Experian Audience on Meta, Pinterest, Snap, TikTok, or on a platform not listed above? Contact us today.
For a full list, download our syndicated audiences guide.
Reach the right audiences for your industry
Build your open enrollment audience strategy with Experian
Open enrollment campaigns work best when messaging reflects the decisions consumers are actually making. Affordability, provider access, coverage changes, and existing member retention all influence how people evaluate their options.
Experian Audiences helps healthcare advertisers identify and activate privacy-forward audiences across digital, connected TV (CTV), social media, and other channels before enrollment decisions are made.
Connect with our audience experts
FAQs
Experian Audiences are pre-built, privacy-compliant consumer segments that help marketers target based on verified demographic, financial, and behavioral data.
They’re designed for flexibility across channels and can be activated on 200+ platforms, including major social, CTV, and programmatic partners.
Marketers can choose from 3,500+ syndicated audiences that capture signals such as income, spending behavior, household structure, financial attitudes, and ability to pay. These same audiences are also available through partnerships on platforms like DirecTV, Dish, Magnite, OpenAP, and The Trade Desk.
For a deeper look at our audience catalog, explore our syndicated audience guide.
You can activate Experian Audiences across 200+ digital and connected TV (CTV) platforms, including Meta, Pinterest, The Trade Desk, and Audigent PMPs.
Yes, you can combine your own first-party data with Experian’s 3,500+ syndicated audiences and additional segments from multiple partner data providers, as a custom audience within a Curated Deal or self-service via Audience Engine.
Appendix
Open enrollment audiences from Experian
Insurance shopping signals
- Purchase Predictors > Shoppers All Channels > Active Health Insurance Shoppers
- Lifestyle and Interests (Affinity) > Financial Behavior > Insurance Shoppers
Cost-conscious/value-seeking consumers
- Financial Behavior > Careful Money Managers
- TrueTouch: Communication Preferences > Purchase Behavior > Deal Seeking Shoppers
- Publisher Derived > IAB Budgeting > Frugal Living and Savings Focused Households
- Financial FLA Friendly¹ > Income > Household Annual Income $50,000-$74,999
- TrueTouch: Communication Preferences > Purchase Behavior > Savvy shoppers
Premium/broader-value plan shoppers
- TrueTouch: Communication Preferences > Purchase Behavior > Brand loyalists
- Financial > Discretionary Spend > Premium Spend Index Elite
- TrueTouch: Communication Preferences > Purchase Behavior > Quality shoppers
Existing insurance/Medicare-oriented consumers
- Lifestyle and Interests (Affinity) > Financial Behavior > Medical Insurance Policy Holders
- Lifestyle and Interests (Affinity) > Financial Behavior > Medicare Policy Holders
- Lifestyle and Interests (Affinity) > Memberships > Memberships: AARP Members
- Precision > Financial Behavior > Precision Medical Insurance Holders
Household and family care decision-makers
- Consumer Behaviors > At-Home: Families at Home (kids under 13)
- Life Events > New Parents > Child Age 0–36 Months
- Demographics > Household Composition > Multigenerational Household
- Demographics > Presence of Children > Presence of Children in HH
Service-area audiences
- Geography > State > [State]
Life events that can change care routines
- Life Events > New Homeowners > Last 6 Months
- Life Events > New Movers > Last 6 Months
- Life Events > Recently Single (Divorced) > Newly Divorced Past 3 Months
- Life Events > Recently Married (Newlyweds) > Newly Married Past 3 Months
Research and information-seeking audiences
- Lifestyle and Interests (Affinity) > Technology > Highly Active Online Users
- Lifestyle and Interests (Affinity) > Local News (FLA/Fair Lending Friendly) > Local News Readers
- Lifestyle and Interests (Affinity) > News (FLA / Fair Lending Friendly) > News Readers and Followers
- Lifestyle and Interests (Affinity) > Technology > Online Research-Dependent Consumers
Channel-driven audiences
- Social Media > Instagram > Active Instagram Users
- TrueTouch: Communication Preferences > Engagement Channel Preference > Digital Display
- TrueTouch: Communication Preferences > Engagement Channel Preference > Digital Video
- TrueTouch: Communication Preferences > Engagement Channel Preference > Email Engagement
- TrueTouch: Communication Preferences > Engagement Channel Preference > Streaming TV
- Publisher Derived > Interest: Online Communities > Social Network Content Engagers
Open enrollment audiences from MARS Consumer Health
Current health insurance carrier members
- Finance and Insurance > Health Insurance > Aetna Health Insurance Members
- Finance and Insurance > Health Insurance > Blue Cross Blue Shield Health Insurance Members
- Finance and Insurance > Health Insurance > Cigna Health Insurance Members
Coverage status and insurance type
- Consumer Financial > Health Insurance > Government Issued Health Insurance for Low Income People or Medicaid
- Consumer Financial > Health Insurance > Health Insurance Marketplace or Exchange like Obamacare or Affordable Care Act
- Finance and Insurance > Health Insurance > Private or Selfpay Health Insurance
Healthcare utilization and care relationship
- Health and Wellness > Health Providers and Services > Frequent Doctor Visitor
- Health and Wellness > Health Providers and Services > Frequent Hospital User Propensity
- Health and Wellness > Health Providers and Services > Frequent Urgent Care User Propensity
Open enrollment audiences from AnalyticsIQ
Access to healthcare audiences
- Health & Wellness > Barriers to Healthcare > Has access to Medical Supplies
- Health & Wellness > Barriers to Healthcare > Has Reliable Transportation Access
- Health & Wellness > Barriers to Healthcare > Healthcare Cost Barriers
- Health & Wellness > Barriers to Healthcare > Healthcare Transportation Barriers
- Health & Wellness > Barriers to Healthcare > Healthcare Work Schedule Barriers
Health research and information channels audiences
- Health & Wellness > Channel > Researching Health Topics > Facebook Health Forums
- Health & Wellness > Channel > Researching Health Topics > Health Education Websites
- Health & Wellness > Channel > Researching Health Topics > Online Patient Community or Advocacy Group
- Health & Wellness > Channel > Researching Health Topics > Provider or Hospital Website
- Health & Wellness > Channel > Researching Health Topics > Reddit Health Topics
Footnote
- “Fair Lending Friendly” indicates data fields that Experian has made available without use of certain demographic attributes that may increase the likelihood of discriminatory practices prohibited by the Fair Housing Act (“FHA”) and Equal Credit Opportunity Act (“ECOA”). These excluded attributes include, but may not be limited to, race, color, religion, national origin, sex, marital status, age, disability, handicap, family status, ancestry, sexual orientation, unfavorable military discharge, and gender. Experian’s provision of Fair Lending Friendly indicators does not constitute legal advice or otherwise assures your compliance with the FHA, ECOA, or any other applicable laws. Clients should seek legal advice with respect to your use of data in connection with lending decisions or application and compliance with applicable laws.
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