Small Marketplace Premiums Pose Financial And Administrative Burdens: Evidence From Massachusetts, 2016-17.
Health insurance premiums are primarily understood to pose financial barriers to coverage. However, the need to remit monthly premium payments may also create administrative burdens that negatively affect coverage, even in cases where affordability is a negligible concern. Using 2016-17 data from th...
| Publicado en: | Health Affairs Vol. 43; no. 1; pp. 80 - 91 |
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| Autores principales: | , , |
| Formato: | research tables/charts Journal Article |
| Publicado: |
Health Affairs Publishing, LLC
Jan2024
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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=190587745&site=ehost-live header: @attributes: shortDbName: ccm uiTerm: 190587745 longDbName: CINAHL Complete uiTag: AN controlInfo: bkinfo: dissinfo: jinfo: jid: 02782715 HAF jtl: Health Affairs issn: 02782715 maglogo: N pubinfo: dt: Jan2024 vid: 43 iid: 1 pid: 1453 pub: Health Affairs Publishing, LLC place: Washington, District of Columbia artinfo: ui: 190587745 190587745 190587745 10.1377/hlthaff.2023.00649 190587745 ppf: 80 ppct: 11 formats: tig: atl: Small Marketplace Premiums Pose Financial And Administrative Burdens: Evidence From Massachusetts, 2016-17. aug: au: McIntyre, Adrianna Shepard, Mark Layton, Timothy J. affil: Harvard University, Boston, Massachusetts sug: subj: Health Insurance Exchanges Massachusetts Insurance, Health, Reimbursement Economics Health Expenditures Organizational Efficiency State Health Plans Insurance Coverage Human Male Female Adult Massachusetts Comparative Studies Descriptive Statistics Analytic Research Insurance, Health Income Sample Size Determination Social Class Economics Health Policy Economics Funding Source Adult: 19-44 years Male Female ab: Health insurance premiums are primarily understood to pose financial barriers to coverage. However, the need to remit monthly premium payments may also create administrative burdens that negatively affect coverage, even in cases where affordability is a negligible concern. Using 2016-17 data from the Massachusetts health insurance Marketplace and a natural experiment, we evaluated how coverage retention was affected by the introduction of nominal (less than $10 for most enrollees) monthly premiums for plans that previously had $0 premiums. Compared with plans that maintained $0 premiums, those that took on nominal premiums saw enrollment fall by 14 percent over the following year. This attrition was attributable to terminations for nonpayment; most terminations occurred at the end of January, implying that a significant number of affected enrollees never initiated premium payments. These findings suggest that even very small premiums act as enrollment barriers, which may sometimes reflect administrative burdens more than financial hardship. Several policy approaches could mitigate adverse coverage outcomes related to nominal premiums. pubtype: Academic Journal doctype: research tables/charts Journal Article ougenre: Article language: English refInfo: holdings: @attributes: islocal: N |
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