assistant professor, School of Health Administration, Texas State University, San Marcos, Texas School of Health Administration, Texas State University assistant professor, Department of Health Information Management, Texas State University.
J Healthc Manag. 2019 Mar-Apr;64(2):79-89. doi: 10.1097/JHM-D-18-00021.
This study set out to determine individuals' proficiency in finding, selecting, and making appropriate health insurance decisions for a positive healthcare experience. Primary data were collected by means of a cross-sectional online survey of 1,469 adults in the United States. Using separate multivariate regression models, we examined the relationships between patient characteristics and an individual's ability to choose, compare, manage, and use health insurance plan benefits. Across all four constructs, younger individuals exhibited significantly lower health insurance literacy. Compared to males, females reported lower levels of health insurance literacy. However, females were better able to compare health insurance benefits and efficiently use health plan benefits. Respondents who reported private insurance coverage or being uninsured had significantly lower health insurance literacy levels. We concluded that health insurance literacy is a salient issue that affects optimal healthcare use. Identifying characteristics associated with limited health insurance literacy is useful in guiding efforts to address health insurance literacy among healthcare consumers.
本研究旨在确定个人在寻找、选择和做出适当的健康保险决策方面的能力，以获得积极的医疗体验。主要数据通过对美国 1469 名成年人进行横断面在线调查收集。我们使用单独的多变量回归模型，研究了患者特征与个人选择、比较、管理和使用健康保险计划福利的能力之间的关系。在所有四个构念中，年轻个体表现出明显较低的健康保险素养。与男性相比，女性报告的健康保险素养水平较低。然而，女性在比较健康保险福利和有效地使用健康计划福利方面更胜一筹。报告有私人保险或没有保险的受访者的健康保险素养水平明显较低。我们的结论是，健康保险素养是一个影响最佳医疗保健利用的重要问题。确定与有限的健康保险素养相关的特征有助于指导解决医疗保健消费者的健康保险素养问题。
