Consumer Decisionmaking in the Health Care Marketplace

doi:10.7249/RR1567

GSTDTAP > 资源环境科学

DOI	10.7249/RR1567
报告编号	RR-1567-ASPEC
	Consumer Decisionmaking in the Health Care Marketplace
	Erin Audrey Taylor; Katherine Grace Carman; Andrea Lopez; Ashley N. Muchow; Parisa Roshan; Christine Eibner
	2016
出版年	2016
页数	98
语种	英语
国家	美国
出版者	RAND Corporation
领域	资源环境
英文摘要	The Patient Protection and Affordable Care Act introduced the health insurance marketplaces, new online clearinghouses for buying and selling insurance. One of the benefits of the marketplaces is that they enable consumers to compare a variety of health insurance plans, and, ideally, select the plan that best suits their needs. However, the task of selecting a health insurance plan can be complicated because of such factors as difficulty understanding health insurance jargon, poor numeracy, inadequate decision-support tools, and an excessive number of choices. For this report, RAND researchers reviewed the literature on health insurance choice to understand how consumers make decisions and the extent to which confusion, lack of information, and other factors can hinder decisionmaking. They also reviewed literature on how to design websites to support consumers' choices and, where possible, gleaned best practices from the literature. They then reviewed 20 health insurance websites to understand the approaches these websites have taken to convey information to consumers. They found that existing health insurance websites follow some recommended practices, such as allowing consumers to sort and filter plans based on key characteristics. However, websites were lacking in other dimensions, such as in the use of out-of-pocket cost calculators, presentation of information on provider networks, and presentation of information about plan quality. Although, ideally, websites would convey such information to consumers, that might not be possible or desirable without better data. Future analyses should consider how alternative web design strategies affect actual choices among consumers enrolling in marketplace plans.
英文关键词	Health Insurance Markets Affordable Care Act Students
URL	查看原文
来源平台	Rand Corporation
引用统计
文献类型	科技报告
条目标识符	http://119.78.100.173/C666/handle/2XK7JSWQ/4344
专题	资源环境科学
推荐引用方式 GB/T 7714	Erin Audrey Taylor,Katherine Grace Carman,Andrea Lopez,et al. Consumer Decisionmaking in the Health Care Marketplace:RAND Corporation,2016.