Carnegie Mellon University, Social and Decision Sciences, 5000 Forbes Avenue, 319 C Porter Hall, Pittsburgh, PA 15213, United States.
J Health Econ. 2013 Sep;32(5):850-62. doi: 10.1016/j.jhealeco.2013.04.004. Epub 2013 Jun 26.
We report results from two surveys of representative samples of Americans with private health insurance. The first examines how well Americans understand, and believe they understand, traditional health insurance coverage. The second examines whether those insured under a simplified all-copay insurance plan will be more likely to engage in cost-reducing behaviors relative to those insured under a traditional plan with deductibles and coinsurance, and measures consumer preferences between the two plans. The surveys provide strong evidence that consumers do not understand traditional plans and would better understand a simplified plan, but weaker evidence that a simplified plan would have strong appeal to consumers or change their healthcare choices.
我们报告了两项针对有私人医疗保险的美国人代表性样本的调查结果。第一项调查研究了美国人对传统医疗保险的理解程度，以及他们认为自己对传统医疗保险的理解程度。第二项调查研究了在简化共付保险计划下参保的人相对于在有免赔额和共付额的传统计划下参保的人，是否更有可能采取降低成本的行为，并衡量了消费者对这两种计划的偏好。调查结果有力地证明了消费者并不理解传统计划，而简化计划更容易被理解，但证据也较为薄弱，无法证明简化计划对消费者有很强的吸引力，或者会改变他们的医疗保健选择。
