Consumers' misunderstanding of health insurance

被引：178

作者：

Loewenstein, George ^{[1
]}

Friedman, Joelle Y. ^{[2
]}

McGill, Barbara ^{[3
]}

Ahmad, Sarah ^{[16
]}

Linck, Suzanne ^{[4
]}

Sinkula, Stacey ^{[5
]}

Beshears, John ^{[6
]}

Choi, James J. ^{[7
]}

Kolstad, Jonathan ^{[8
]}

Laibson, David ^{[9
]}

Madrian, Brigitte C. ^{[10
]}

List, John A. ^{[11
]}

Volpp, Kevin G. ^{[12
,13
,14
,15
]}

机构：

[1] Carnegie Mellon Univ, Pittsburgh, PA 15213 USA

[2] Univ Penn, Leonard Davis Inst, Ctr Hlth Incent & Behav Econ, Philadelphia, PA 19104 USA

[3] Colchester Consulting Grp, Glencoe, IL 60022 USA

[4] Humana, Strateg Consultant Product Dev Small Business, Green Bay, WI 54344 USA

[5] Humana, Managing Actuary Small Business, Green Bay, WI 54344 USA

[6] Stanford Grad Sch Business, Stanford, CA 94305 USA

[7] Yale Sch Management, New Haven, CT 06520 USA

[8] Univ Penn, Wharton Sch, Philadelphia, PA 19104 USA

[9] Harvard Univ, Dept Econ, Cambridge, MA 02138 USA

[10] Harvard Univ, Cambridge, MA 02138 USA

[11] Univ Chicago, Chicago, IL USA

[12] Philadelphia VA Med Ctr, Philadelphia, PA USA

[13] Leonard Davis Inst, Ctr Hlth Incent & Behav Econ, Davis, CA USA

[14] Univ Penn, Perelman Sch Med, Philadelphia, PA 19104 USA

[15] Univ Penn, Wharton Sch, Philadelphia, PA 19104 USA

[16] Dev Humana, Commercial Product, Louisville, KY 40202 USA

来源：

JOURNAL OF HEALTH ECONOMICS | 2013年 / 32卷 / 05期

关键词：

Insurance; Behavioral economics; Simplification; INFORMATION; CHOICE; MARKETS;

D O I：

10.1016/j.jhealeco.2013.04.004

中图分类号：

F [经济];

学科分类号：

02 ;

摘要：

We report results from two surveys of representative samples of Americans with private health insurance. The first examines how well Americans understand, and believe they understand, traditional health insurance coverage. The second examines whether those insured under a simplified all-copay insurance plan will be more likely to engage in cost-reducing behaviors relative to those insured under a traditional plan with deductibles and coinsurance, and measures consumer preferences between the two plans. The surveys provide strong evidence that consumers do not understand traditional plans and would better understand a simplified plan, but weaker evidence that a simplified plan would have strong appeal to consumers or change their healthcare choices. (C) 2013 Elsevier B.V. All rights reserved.

引用

页码：850 / 862

页数：13

共 29 条

[21] When choice is demotivating: Can one desire too much of a good thing? [J].