BEHAVIOR CHANGE IN THE SAVINGS AND HEALTH DOMAINS

项目总结(见说明)： 分项目5：储蓄和健康领域的行为变化 这个子项目涉及一系列旨在改善幸福感的行为实验。过去的研究表明，框架和其他类型的“选择架构”可能会对经济结果产生很大影响。即使在风险很高的情况下，这也是正确的。然而，研究人员和政策制定者仍然对这些框定操纵如何以及为什么起作用只有一个初步的了解。我们提出的行为实验将促进我们对这些机制的理解。 这些实验将评估退休储蓄和健康领域的决策，这两个领域都会对社会福利产生重要影响。在退休储蓄领域，我们将评估选择架构如何影响退休时的储蓄计划参与率、储蓄率和年化选择。在健康领域，我们将评估选择架构如何影响 预防性和诊断性卫生服务。 拟议的研究将(I)在以前成功干预的基础上开发行为改变的干预措施，这些干预措施成本低廉且可扩展，(Ii)研究和完善使以前的干预措施发挥作用的机制。计划中的研究将帮助组织和政策制定者更好地理解如何在设计决策环境时使用选择架构。此外， 拟议的研究将有助于确定这些框定效应运作的一般经济学和心理学原则。

PROJECT SUMMARY (See instructions): SUBPROJECT 5: BEHAVIOR CHANGE IN THE SAVINGS AND HEALTH DOMAINS This subproject involves a series of behavioral experiments designed to improve well-being. Past research has shown that framing and other kinds of "choice architecture" can have a large impact on economic outcomes. This is true even when the stakes are high. However, researchers and policy-makers still have only a rudimentary understanding of how and why these framing manipulations work. The behavioral experiments we propose will advance our understanding of these mechanisms. The experiments will evaluate decision-making in the domains of retirement savings and health, both areas with important consequences for social welfare. In the domain of retirement savings, we will evaluate how choice architecture impacts savings plan participation, savings rates, and annuitization choices at the time of retirement. In the health domain, we will evaluate how choice architecture impacts the utilization of preventative and diagnostic health services. The proposed research will (i) develop interventions for behavior change that build on successful previous interventions and that are inexpensive and scalable, and (ii) study and refine the mechanisms that made those previous interventions work. The planned research will help organizations and policymakers better understand how to use choice architecture when designing decision-making environments. In addition, the proposed research will help identify the general economic and psychological principles that underlie the operation of these framing effects.