Using Email And Letters To Reduce Choice Errors Among ACA Marketplace Enrollees.
During the 2019 open enrollment period in California's Affordable Care Act (ACA) Marketplace, we used a randomized intervention to examine the effects of email and postal messages on choice errors, where low-income households enroll in gold or platinum plans although they are eligible for cost-shari...
| Publicado en: | Health Affairs Vol. 40; no. 5; pp. 812 - 820 |
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| Autores principales: | , |
| Formato: | research tables/charts Journal Article |
| Publicado: |
Health Affairs Publishing, LLC
May2021
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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=150152330&site=ehost-live header: @attributes: shortDbName: ccm uiTerm: 150152330 longDbName: CINAHL Complete uiTag: AN controlInfo: bkinfo: dissinfo: jinfo: jid: 02782715 HAF jtl: Health Affairs issn: 02782715 maglogo: N pubinfo: dt: May2021 vid: 40 iid: 5 pid: 1453 pub: Health Affairs Publishing, LLC place: Washington, District of Columbia artinfo: ui: 150152330 150152330 150152330 10.1377/hlthaff.2020.02099 150152330 ppf: 812 ppct: 8 formats: tig: atl: Using Email And Letters To Reduce Choice Errors Among ACA Marketplace Enrollees. aug: au: Feher, Andrew Menashe, Isaac affil: Senior researcher at Covered California, in Sacramento, California sug: subj: Patient Protection and Affordable Care Act Legislation and Jurisprudence Insurance, Health Economics Writing Human Error Prevention and Control Health Insurance Exchanges Evaluation Human Male Female California Cost Savings Insurance Coverage Economic Status Health Policy Random Assignment Linear Regression Descriptive Statistics Age Factors Male Female ab: During the 2019 open enrollment period in California's Affordable Care Act (ACA) Marketplace, we used a randomized intervention to examine the effects of email and postal messages on choice errors, where low-income households enroll in gold or platinum plans although they are eligible for cost-sharing reduction (CSR) silver plans with lower premiums and higher actuarial values. Relative to the control group, assignment to the email-only treatment increased plan switching to CSR silver plans by 2 percentage points (an 11 percent increase), and assignment to the mail-plus-email treatment increased plan switching to CSR silver plans by 3.9 percentage points (a 22 percent increase). The mail-plus-email treatment significantly increased plan switching across all subpopulations in which choice errors were made. Consumers who switched out of a plan chosen in error saved an average of $84 per month in premiums and $56 per month in reduced out-of-pocket expenses. Our results indicate that low-cost nudges can help low-income enroliees obtain more generous coverage at a lower price and that the combination of email and postal messages is more effective at increasing plan switching than email alone to rectify choice errors. pubtype: Academic Journal doctype: research tables/charts Journal Article ougenre: Article language: English refInfo: holdings: @attributes: islocal: N |
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