Shifting the open enrollment period for ACA Marketplaces could increase enrollment and improve plan choices.
Shifting the open enrollment period for ACA Marketplaces could increase enrollment and improve plan choices.
复制标题
改变 ACA Marketplaces 的开放注册期可以增加注册人数并改善计划选择。
作者：
K. Swartz;J. Graves
《平价医疗法案》(ACA) 保险市场中提供的计划的下一个开放投保期定于 2014 年 11 月 15 日至 2015 年 2 月 15 日之间，此时许多低收入人群因假期需求而面临经济压力。实验心理学家和行为经济学家最近的研究强烈表明，当人们的决策能力（带宽）捉襟见肘时，他们要么无法做出决定，要么做出错误的选择。使用近十年的美国互联网搜索查询数据来衡量人口行为，我们发现财务压力的衡量标准以及人们寻求健康保险计划信息的时间具有相当大的季节性。安排 ACA 市场公开注册的更合适时间可能是 2 月 15 日至 4 月 15 日之间，这几周低收入人群通常会收到所得税退税和所得税抵免付款。这种一次性付款可用于支付个人应缴的保费。
The next open enrollment period for plans offered in the Affordable Care Act's (ACA's) insurance Marketplaces is set to occur between November 15, 2014, and February 15, 2015--just when many lower-income people are financially stressed by demands of the holiday season. Recent research by experimental psychologists and behavioral economists strongly suggests that when people's decision-making capacity (bandwidth) is stretched thin, either they cannot make decisions or they make poor choices. Using data from nearly a decade of US-based Internet search queries to measure population behavior, we found considerable seasonality in measures of financial stress and in when people seek out information on health insurance plans. A more opportune time for scheduling open enrollment for the ACA Marketplaces may be between February 15 and April 15--weeks when low-income people typically receive income tax refunds and Earned Income Tax Credit payments. Such lump-sum payments could be applied to pay individuals' share of premiums.
需要更好的方法来预测收入，以估计健康保险交易所补贴的资格。
DOI：
10.1377/hlthaff.2011.1140
发表时间：
2012
期刊：
Health affairs (Project Hope)
影响因子：
--
作者：
Graves,JohnA
通讯作者：
Graves,JohnA
影响因子：
7.6
作者：
Baumeister, RF;Bratslavsky, E;Tice, DM
通讯作者：
Tice, DM