Wong Charlene A, Polsky Daniel E, Jones Arthur T, Weiner Janet, Town Robert J, Baker Tom
Charlene A. Wong (
Daniel E. Polsky is a professor of medicine, the Robert D. Eilers Professor in Health Care Management, and executive director of the Leonard Davis Institute of Health Economics, all at the University of Pennsylvania.
Health Aff (Millwood). 2016 Apr;35(4):680-7. doi: 10.1377/hlthaff.2015.1637.
The design of the Affordable Care Act's online health insurance Marketplaces can improve how consumers make complex health plan choices. We examined the choice environment on the state-based Marketplaces and HealthCare.gov in the third open enrollment period. Compared to previous enrollment periods, we found greater adoption of some decision support tools, such as total cost estimators and integrated provider lookups. Total cost estimators differed in how they generated estimates: In some Marketplaces, consumers categorized their own utilization, while in others, consumers answered detailed questions and were assigned a utilization profile. The tools available before creating an account (in the window-shopping period) and afterward (in the real-shopping period) differed in several Marketplaces. For example, five Marketplaces provided total cost estimators to window shoppers, but only two provided them to real shoppers. Further research is needed on the impact of different choice environments and on which tools are most effective in helping consumers pick optimal plans.
《平价医疗法案》在线医疗保险市场的设计可以改善消费者做出复杂健康计划选择的方式。我们研究了第三个开放注册期基于州的市场和医保网站的选择环境。与之前的注册期相比，我们发现一些决策支持工具，如总成本估算器和综合提供商查找工具的采用率更高。总成本估算器生成估算的方式有所不同：在一些市场中，消费者对自己的使用情况进行分类，而在另一些市场中，消费者回答详细问题并被分配一个使用情况概况。在几个市场中，创建账户之前（在浏览期）和之后（在实际购物期）可用的工具有所不同。例如，五个市场向浏览者提供总成本估算器，但只有两个市场向实际购物者提供。需要进一步研究不同选择环境的影响以及哪些工具在帮助消费者选择最佳计划方面最有效。
