Consumer Health Insurance Shopping Behavior and Challenges: Lessons From Two State-Based Marketplaces.
Selecting a health plan in a health insurance exchange is a critical decision, yet consumers are known to face challenges with health plan choice. We surveyed new enrollees in two state-based exchanges in 2015 to investigate how a nonelderly, primarily low-income population chose their health plans...
| Publicado en: | Medical Care Research & Review Vol. 76; no. 4; pp. 403 - 425 |
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| Autores principales: | , , |
| Formato: | research Journal Article |
| Publicado: |
Sage Publications Inc.
Aug2019
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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=137235266&site=ehost-live header: @attributes: shortDbName: ccm uiTerm: 137235266 longDbName: CINAHL Complete uiTag: AN controlInfo: bkinfo: dissinfo: jinfo: jid: 10775587 MDC jtl: Medical Care Research & Review issn: 10775587 maglogo: Y pubinfo: dt: Aug2019 vid: 76 iid: 4 pid: 344 pub: Sage Publications Inc. place: Thousand Oaks, California artinfo: ui: 137235266 137235266 NLM29148347 137235266 10.1177/1077558717718625 NLM29148347 137235266 ppf: 403 ppct: 22 formats: tig: atl: Consumer Health Insurance Shopping Behavior and Challenges: Lessons From Two State-Based Marketplaces. aug: au: Sinaiko, Anna D. Kingsdale, Jon Galbraith, Alison A. affil: Harvard T.H. Chan School of Public Health, Boston, MA, USA sug: subj: Health Insurance Exchanges Economics Consumer Satisfaction Insurance Coverage Economics Insurance, Health Economics Human Adult Male Cross Sectional Studies Decision Making Young Adult Female Middle Age Adolescence Validation Studies Comparative Studies Evaluation Research Multicenter Studies Adult: 19-44 years Middle Aged: 45-64 years Adolescent: 13-18 years Male Female ab: Selecting a health plan in a health insurance exchange is a critical decision, yet consumers are known to face challenges with health plan choice. We surveyed new enrollees in two state-based exchanges in 2015 to investigate how a nonelderly, primarily low-income population chose their health plans and the implications of shopping behavior for early experiences in their plans. Financial considerations were most important to enrollees. Prior Medicaid enrollees and the uninsured were more likely to have multiple shopping challenges (e.g., difficulty identifying the best or most affordable plan, fair/poor experience, unmet need for help) than enrollees with prior employer coverage (42.9% vs. 32.5% vs. 16.4%, respectively, p < .01). Shopping challenges were associated with difficulty finding a doctor, understanding coverage, and getting questions answered. Assistance targeting enrollees who previously had Medicaid or lacked insurance could improve both shopping experiences and downstream outcomes in plans. pubtype: Academic Journal doctype: research Journal Article ougenre: Article language: English refInfo: holdings: @attributes: islocal: N |
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