a Department of Systems and Information Engineering, School of Engineering and Applied Science , University of Virginia , Charlottesville , Virginia , USA.
b Department of Human Services, Curry School of Education , University of Virginia , Charlottesville , Virginia , USA.
J Am Coll Health. 2019 Jul;67(5):469-478. doi: 10.1080/07448481.2018.1486844. Epub 2018 Sep 19.
This study examines the health insurance literacy, or the ability to use health insurance effectively, of college students. A total of 455 students from a large, public university completed an online questionnaire in November 2016. A questionnaire examined students' knowledge of commonly encountered health insurance terms and ability to apply that knowledge to determine cost-sharing in a clinical setting. The majority of students were able to correctly identify the most commonly encountered terms, but could not identify terms related to plan types and options. Eighty-eight percent of students could not determine their cost-sharing for two presented scenarios. Approximately half of the students indicated they had been confused about their health insurance plan, with one-quarter of students stopping or delaying medical care due to confusion. Outreach and education for students should target specific deficits in knowledge such as those identified in this study.
本研究考察了大学生的健康保险素养，即有效使用健康保险的能力。2016 年 11 月，一所大型公立大学的 455 名学生完成了在线问卷调查。问卷考察了学生对常见健康保险术语的了解程度，以及将这些知识应用于临床情境以确定自付费用的能力。大多数学生能够正确识别最常见的术语，但无法识别与计划类型和选项相关的术语。88%的学生无法确定为两个呈现的场景确定其自付费用。大约一半的学生表示他们对自己的健康保险计划感到困惑，四分之一的学生因困惑而停止或延迟医疗。针对学生的宣传和教育应该针对知识方面的具体缺陷，如本研究中确定的那些缺陷。
