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Determinants of coverage decisions in health insurance marketplaces: consumers' decision-making abilities and the amount of information in their choice environment.医疗保险市场中覆盖范围决策的决定因素：消费者的决策能力及其选择环境中的信息量。
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Long-term care insurance demand limited by beliefs about needs, concerns about insurers, and care available from family.长期护理保险需求受对需求的信念、对保险公司的担忧以及家庭提供的护理的限制。
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Numeracy and Medicare Part D: the importance of choice and literacy for numbers in optimizing decision making for Medicare's prescription drug program.算数能力和医疗保险处方药部分 D：在优化医疗保险处方药计划决策过程中，对数字的选择和读写能力的重要性。
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Financial Decision Making and Cognition in a Family Context.家庭背景下的财务决策与认知
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消费者数字素养对长期护理保险购买的影响。

The Impact of Consumer Numeracy on the Purchase of Long-Term Care Insurance.

作者信息

McGarry Brian E, Temkin-Greener Helena, Chapman Benjamin P, Grabowski David C, Li Yue

机构信息

Health Services Research and Policy, Department of Public Health Sciences, University of Rochester School of Medicine and Dentistry, Rochester, NY.

Department of Public Health Sciences, University of Rochester School of Medicine and Dentistry, Rochester, NY.

出版信息

Health Serv Res. 2016 Aug;51(4):1612-31. doi: 10.1111/1475-6773.12439. Epub 2016 Jan 22.

DOI:10.1111/1475-6773.12439
PMID:26799778
原文链接:https://pmc.ncbi.nlm.nih.gov/articles/PMC4946025/
Abstract

OBJECTIVE

To determine the effect of consumers' numeric abilities on the likelihood of owning private long-term care insurance.

DATA SOURCE

The 2010 wave of the Health and Retirement Study, a nationally representative survey of Americans age 50 and older, was used (n = 12,796).

STUDY DESIGN

Multivariate logistic regression was used to isolate the relationship between numeracy and long-term care insurance ownership.

PRINCIPAL FINDINGS

Each additional question answered correctly on a numeracy scale was associated with a 13 percent increase in the likelihood of holding LTCI, after controlling for predictors of policy demand, education, and cognitive function.

CONCLUSIONS

Poor numeracy may create barriers to long-term care insurance purchase. Policy efforts aimed at increasing consumer decision support or restructuring the marketplace for long-term care insurance may be needed to increase older adults' ability to prepare for future long-term care expenses.

摘要

目的

确定消费者的数字能力对拥有私人长期护理保险可能性的影响。

数据来源

使用了2010年的健康与退休研究，这是一项对50岁及以上美国人具有全国代表性的调查（n = 12,796）。

研究设计

采用多变量逻辑回归来分离数字能力与长期护理保险拥有情况之间的关系。

主要发现

在控制了政策需求、教育和认知功能的预测因素后，在数字量表上每多正确回答一个问题，持有长期护理保险的可能性就会增加13%。

结论

数字能力差可能会给长期护理保险的购买造成障碍。可能需要采取旨在增加消费者决策支持或重组长期护理保险市场的政策措施，以提高老年人为未来长期护理费用做准备的能力。