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- Title
Health Plan Choice and Information About Out-of-Pocket Costs: An Experimental Analysis.
- Abstract
The article presents information on the research paper "Health Plan Choice and Information About Out-of-Pocket Costs: An Experimental Analysis," by Michael Spranca Schoenbaum, Mark Elliott, Marc Bhattacharya, Jay Short and Pamela Farley, appeared in the Spring 2001 issue of the periodical "Inquiry." Many consumers have a choice of two or more employer-sponsored health plans. Competition among plans for members is touted as a strategy for balancing the costs and quality of care. Consumers may not receive adequate information to make informed health plan choices, however. Researchers found that the provision of supplemental decision support materials that tell consumers about projected costs tends to encourage consumers to bear more risk. This is especially true among consumers who are in relatively good health. The findings suggest that working age, privately insured consumers may be overinsuring for medical care.
- Subjects
EMPLOYER-sponsored health insurance; EMPLOYEE benefits; CONSUMERS; HEALTH planning; MEDICAL care; COMPENSATION management
- Publication
Benefits Quarterly, 2001, Vol 17, Issue 4, p102
- ISSN
8756-1263
- Publication type
Article