“Behavioral economics has shown that with a nudge, you can move people’s decision making around. Exchanges should recognize the power of the nudge.”—Ted von Glahn, MPH, Pacific Business Group on Health
Dates of Project: October 2011 through March 2013
Pacific Business Group on Health, in San Francisco, created “decision support rules” to enable state insurance exchanges to help consumers choose the health plan best suited to their needs.
To develop the rules, researchers enrolled 3,000 participants in 12 experiments, and asked them to make hypothetical choices regarding their health plan.
The researchers published the rules—and evidence supporting them—in Consumer Choice of Health Plan: Decision Support Rules for Health Exchanges, and nine issue briefs.
To encourage consumers to choose the right plan, health insurance exchanges should:
- Provide a “cost-at-time-of-care” calculator to give consumers an estimate of a plan’s total cost, based on covered benefits, cost-sharing, expected use of medical services, premium, and any tax credit.
- Use automatic filters and sorting mechanisms to ensure that the initial display of information shows the plans that best match the consumer’s preferences.
- Offer a shortcut that allows consumers to quickly view a plan comparison; the user has the option to seek the details or to select a plan.
- Help consumers find health plans that include their providers or allow them to choose their providers.
New rules can help state insurance exchanges enable consumers to choose best health plan for them online.
- Health Insurance Exchanges and State Decisions
- The State of State-Based Insurance Exchanges
- Insurer Participation and Competition in Health Insurance Exchanges
- Small Business Insurance Exchanges
- Federally Facilitated Exchanges
- Creating a Roadmap for State Health Insurance Exchanges
- State Insurance Exchanges Face Challenges In Offering Standardized Choices Alongside Innovative Value-Based Insurance
While the need to address disparities in care is well known, few strategies for reducing disparities have been studied systematically.
RWJF examines the types of competitive foods - foods and beverages schools offer outside of meal programs - available in our nation's school...
Progress and lessons learned from two programs that seek to advance the impact digital games can have on health.
Joint Commission Resources in Oak Brook Ill., oversaw development and testing of an online course and support materials to improve communica...
The rapid rise of antibiotic resistance can be tracked using ResistanceMap, an online tool that visually highlights regions of the country w...
Report examines, compares and contrasts Massachusetts and Utah health insurance exchanges.
Report examines issues states will face as they integrate Medicaid into the exchange.
This poll shows most Americans believe the quality of U.S. health care is average at best. More than half of American adults surveyed barely...
Want to improve health? Start with where we live, work, learn and play.
Health care reform may create incentives to spur the growth in HDHPs and CDHPs, a move that might help hold costs down?at least for a time.
The authors suggest repairing the health care system by realigning provider incentives, increasing the availability of information with whic...
While the ACA is aimed primarily at improving individual health by increasing access to health insurance, it also contains a number of provi...