A Study of the Connection Between Health Insurance Literacy and Health Status: Evidence from the US Healthcare Reform Monitoring Survey.

This study examines the relationship between health insurance literacy, as indicated by confidence in comprehending health insurance terms, and health status using cross-sectional data from 8 waves of the Health Reform Monitoring Survey (HRMS), covering 61,895 individuals from 2013 to 2017. An ordered logistic regression model was employed with self-rated health status on a five-point Likert scale as the dependent variable and the score of confidence in understanding health insurance terms as the primary independent variable. The model adjusts for variables such as access to care, insurance status, concerns about affordability leading to missed care, household size, family income, employment, education, race, marital status, and gender. Results suggest a positive association between higher confidence in understanding health insurance and superior health statuses. These findings underscore the significance of improving health insurance literacy and advocating for potential policy interventions to enhance public understanding of health insurance benefits and coverage options.