Shopping on the Public and Private Health Insurance Marketplaces: Consumer Decision Aids and Plan Presentation.
Background: The design of the Affordable Care Act's (ACA) health insurance marketplaces influences complex health plan choices.Objective: To compare the choice environments of the public health insurance exchanges in the fourth (OEP4) versus third (OEP3) open enrollment period and to examine online...
| Publicado en: | JGIM: Journal of General Internal Medicine Vol. 33; no. 8; pp. 1400 - 1411 |
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| Autores principales: | , , , , , , |
| Formato: | research tables/charts Journal Article |
| Publicado: |
Springer Nature
Aug2018
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| Acceso en línea: | Ver este registro en EBSCOhost |
| fields | @attributes: recordID: 1 pdfLink: plink: https://search.ebscohost.com/login.aspx?direct=true&db=ccm&AN=131034212&site=ehost-live header: @attributes: shortDbName: ccm uiTerm: 131034212 longDbName: CINAHL Complete uiTag: AN controlInfo: bkinfo: dissinfo: jinfo: jid: 08848734 4BF jtl: JGIM: Journal of General Internal Medicine issn: 08848734 maglogo: N pubinfo: dt: Aug2018 vid: 33 iid: 8 pid: 237 pub: Springer Nature place: New York, New York artinfo: ui: 131034212 131034212 NLM29845467 131034212 10.1007/s11606-018-4483-x NLM29845467 131034212 ppf: 1400 ppct: 11 formats: tig: atl: Shopping on the Public and Private Health Insurance Marketplaces: Consumer Decision Aids and Plan Presentation. aug: au: Wong, Charlene A. Kulhari, Sajal McGeoch, Ellen J. Jones, Arthur T. Weiner, Janet Polsky, Daniel Baker, Tom affil: Department of Pediatrics, Margolis Center for Health Policy, Duke Clinical Research Institute, Duke University, 100 Fuqua Drive, Box 90120, 27708-0120, Durham, NC, USA sug: subj: Insurance, Health Economics Health Insurance Exchanges Standards Decision Support Techniques Business United States Patient Protection and Affordable Care Act Human Validation Studies Comparative Studies Evaluation Research Multicenter Studies Personal Resource Questionnaire Funding Source ab: Background: The design of the Affordable Care Act's (ACA) health insurance marketplaces influences complex health plan choices.Objective: To compare the choice environments of the public health insurance exchanges in the fourth (OEP4) versus third (OEP3) open enrollment period and to examine online marketplace run by private companies, including a total cost estimate comparison.Design: In November-December 2016, we examined the public and private online health insurance exchanges. We navigated each site for "real-shopping" (personal information required) and "window-shopping" (no required personal information).Participants: Public (n = 13; 12 state-based marketplaces and HealthCare.gov ) and private (n = 23) online health insurance exchanges.Main Measures: Features included consumer decision aids (e.g., total cost estimators, provider lookups) and plan display (e.g., order of plans). We examined private health insurance exchanges for notable features (i.e., those not found on public exchanges) and compared the total cost estimates on public versus private exchanges for a standardized consumer.Results: Nearly all studied consumer decision aids saw increased deployment in the public marketplaces in OEP4 compared to OEP3. Over half of the public exchanges (n = 7 of 13) had total cost estimators (versus 5 of 14 in OEP3) in window-shopping and integrated provider lookups (window-shopping: 7; real-shopping: 8). The most common default plan orders were by premium or total cost estimate. Notable features on private health insurance exchanges were unique data presentation (e.g., infographics) and further personalized shopping (e.g., recommended plan flags). Health plan total cost estimates varied substantially between the public and private exchanges (average difference $1526).Conclusions: The ACA's public health insurance exchanges offered more tools in OEP4 to help consumers select a plan. While private health insurance exchanges presented notable features, the total cost estimates for a standardized consumer varied widely on public versus private exchanges. pubtype: Academic Journal doctype: research tables/charts Journal Article ougenre: Article language: English refInfo: holdings: @attributes: islocal: N |
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