Health insurance literacy assessment tools: a systematic literature review

Aim This systematic literature review aimed to find and summarize the content and conceptual dimensions assessed by quantitative tools measuring Health Insurance Literacy (HIL) and related constructs. Methods Using a Peer Review of Electronic Search Strategy (PRESS) and the PRISMA guideline, a systematic literature review of studies found in ERIC, Econlit, PubMed, PsycInfo, CINAHL, and Google Scholar was performed in April 2019. Measures for which psychometric properties were evaluated were classified based on the Paez et al. conceptual model for HIL and further assessed using COnsensus-based Standards for the selection of health Measurement Instruments (COSMIN) Risk of Bias checklist and criteria for good measurement properties. Results Out of 123 original tools, only 19 were tested for psychometric and measurement properties; 18 of these 19 measures were developed and used in the context of Medicare. Four of the found measures tested for psychometric properties evaluated all four domains of HIL according to Paez et al.'s conceptual model; the rest of the measures assessed three (3), two (8), or one domain (4) of HIL. Conclusion Most measurement tools for HIL and related constructs have been developed and used in the context of the USA health insurance system, primarily in Medicare, while there is a paucity of measurement tools for private health insurances and from other countries. Furthermore, there is a lack of conceptual consistency in the way HIL is measured. Standardization of HIL measurement is crucial to further understand the role and interactions of HIL in other insurance contexts.