Hoy E W, Wicks E K, Forland R A
Institute for Health Policy Solutions, Washington, DC, USA.
Health Aff (Millwood). 1996 Winter;15(4):9-30. doi: 10.1377/hlthaff.15.4.9.
Some purchasers and policymakers are advocating models that offer consumers a choice of health plans as a way to help them choose a plan that best meets their needs and to create incentives for health plans to compete on the basis of efficiency, quality, and service. A review of six consumer-choice models indicates that these objectives can be met if purchasers (1) create a level field for comparison through standardized benefits and structured enrollment processes; (2) offer a limited number of plans that meet appropriate selection criteria; (3) provide comprehensive, objective, and reliable consumer information; (4) support the process with education; and (5) hold plans accountable through uniform reporting of performance data.
一些购买者和政策制定者正在倡导为消费者提供健康计划选择的模式，以此帮助他们选择最符合自身需求的计划，并促使健康计划在效率、质量和服务的基础上展开竞争。对六种消费者选择模式进行的一项审查表明，如果购买者能够做到以下几点，这些目标是可以实现的：(1) 通过标准化福利和结构化参保流程创造公平的比较环境；(2) 提供数量有限且符合适当选择标准的计划；(3) 提供全面、客观且可靠的消费者信息；(4) 通过教育来支持这一过程；(5) 通过统一报告绩效数据来让各计划承担责任。
