Department of Gerontology, John W. McCormack Graduate School of Policy and Global Studies, University of Massachusetts Boston, MA 02125, USA.
Health Serv Res. 2011 Feb;46(1 Pt 2):285-97. doi: 10.1111/j.1475-6773.2010.01198.x. Epub 2010 Nov 5.
This study analyzes what design elements inhibited enrollment in HEALTHpact.
HEALTHpact is a high deductible plan with a premium capped at 10 percent of the average Rhode Island wage. Deductibles are reduced if enrollees meet wellness criteria.
Qualitative case study.
Archival documents and 23 interviews.
Inclusion of a subsidy would have led to lower premiums and more generous coverage. Although priced lower than other plans, HEALTHpact still did not offer good value for most firms. Wellness incentives also were too complex.
Subsidies for purchase of insurance coverage are critical to national reform of the small group market. Designers also will need to carefully balance program complexity with innovation in encouraging wellness and product appeal.
本研究分析了哪些设计元素阻碍了 HEALTHpact 的参保。
HEALTHpact 是一种高免赔额计划，保费上限为罗德岛平均工资的 10%。如果参保人符合健康标准，免赔额将会降低。
定性案例研究。
档案文件和 23 次访谈。
如果包括补贴，保费将会降低，保障范围将会更广泛。尽管定价低于其他计划，但 HEALTHpact 对大多数公司来说仍然没有很好的价值。健康激励措施也过于复杂。
购买保险覆盖的补贴对于国家改革小型团体市场至关重要。设计者还需要仔细平衡计划的复杂性与鼓励健康和产品吸引力的创新。
