Consumer Choice in Health Insurance Exchanges: Can We Make It Work?
Under the Patient Protection and Affordable Care Act (ACA), consumer choice plays a critical role: it drives the competitive market in health insurance plans that will operate through health insurance exchanges. As the 2014 deadline for establishing exchanges approaches, states face choices: they ca...
| Publicado en: | Journal of Health Politics, Policy & Law Vol. 39; no. 1; pp. 209 - 236 |
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| Autores principales: | , |
| Formato: | Artículo |
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Duke University Press
Feb2014
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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=ssf&AN=94464056&site=ehost-live header: @attributes: shortDbName: ssf uiTerm: 94464056 longDbName: Social Sciences Full Text (H.W. Wilson) uiTag: AN controlInfo: bkinfo: jinfo: jid: 03616878 HPP jtl: Journal of Health Politics, Policy & Law issn: 03616878 maglogo: N pubinfo: dt: Feb2014 vid: 39 iid: 1 pid: 154 pub: Duke University Press artinfo: ui: 94464056 10.1215/03616878-2395217 ppf: 209 ppct: 27 formats: tig: atl: Consumer Choice in Health Insurance Exchanges: Can We Make It Work? aug: au: Nadash, Pamela Day, Rosemarie affil: University of Massachusetts Day Health Strategies su: Netherlands Switzerland Consumer attitudes Decision making Insurance Health insurance Literacy Medicare State governments Human services programs Patient Protection & Affordable Care Act sug: subj: Consumer attitudes Decision making Insurance Health insurance Literacy Medicare State governments Human services programs Netherlands Switzerland Third Party Administration of Insurance and Pension Funds All Other Insurance Related Activities Other Insurance Funds Direct individual life, health and medical insurance carriers Direct group life, health and medical insurance carriers Administration of Human Resource Programs (except Education, Public Health, and Veterans' Affairs Programs) Patient Protection & Affordable Care Act ab: Under the Patient Protection and Affordable Care Act (ACA), consumer choice plays a critical role: it drives the competitive market in health insurance plans that will operate through health insurance exchanges. As the 2014 deadline for establishing exchanges approaches, states face choices: they can either allow the federal government to manage an exchange on their behalf; take on a minimalist role by managing a state exchange or partnering with the federal exchange; or assume an activist role-by aiming to influence the price, design, and quality of the health insurance options available through exchanges and taking steps to support consumers' ability to choose among these options. This article discusses states' choices and the governance issues that they raise, first by describing the extent of discretion that states have in shaping the range of health plans on offer as well as the issues they will need to consider in choosing an exchange model. We then discuss the considerable body of evidence that addresses how people behave in individual insurance markets, concluding that it strongly supports the need for states to take an active role in shaping health insurance exchanges and ensuring that they support consumer choice. pubtype: Academic Journal doctype: Article src: R language: English refInfo: copyright: @attributes: flag: N holdings: @attributes: islocal: N |
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