Assessing Choices and Choice Landscape in Health Insurance Marketplaces

其他项目信息-项目概要/摘要 高昂的医疗保健费用和获得医疗保险的不平等相结合， 在全社会造成健康结果的不平等。认识到健康保险的重要性 在获得方面，决策者提出了若干倡议，以解决获得方面的障碍。一个突出 最近计划的一个组成部分是强调消费者在受监管的健康保险中的选择 努力创造激励保险公司提供高质量、负担得起的健康计划的环境。到 在这些环境中制定最佳政策，重要的是要了解个人的决定因素， 购买保险的决定，哪种类型的保险似乎最有价值，以及这些方面如何 不同的时间，地点，人口特征，和潜在的登记者的经济条件。 在这个项目中，我们建议使用新创建的ACA健康保险市场的数据来探索 这些问题的经验。研究市场环境不仅与裁员有内在的相关性， 鉴于目前的政策问题，它也给了我们一个机会，探讨医疗保险的偏好 在非老年人和潜在的保险不足的人群中，我们迄今为止几乎没有系统的数据， 知识在第一步中，我们利用这个新的设置和数据，并估计一个随机效用 交易所健康保险计划需求模型。模型的估计值让我们可以说 是什么决定了个人参加计划的决定，以及个人的价值，以美元计算， Exchange计划的每个功能。这些估计进一步阐明了这些估值在不同国家之间的差异 不同的人口和社会经济群体。此外，这些估计使我们能够探索任何证据， 决策中的行为偏差，以及努力减少这种偏差的政策的效果。在 第二步，我们继续询问我们估计的健康计划特征的显示偏好如何能够 决策者将其用作评估复杂的多层面 市场上的产品。该项目推进了我们对新ACA市场的理解 环境它还推进了我们迄今为止对健康保险偏好和决策的有限理解- 在保险领域，非老年人在不同的社会人口背景。

OTHER PROJECT INFORMATION – Project Summary/Abstract The combination of high health care costs and unequal access to health insurance has a strong potential to generate inequality in health outcomes across the society. Recognizing the importance of health insurance access, policymakers have advanced several initiatives to address the access barriers. A prominent component of recent programs is the emphasis on consumer choice within regulated health insurance environments that strive to create incentives for insurers to provide high-quality, affordable health plans. To formulate best policies within these environments, it is important to understand the determinants of individuals' decisions to purchase insurance, which type of insurance appears to be most valuable, and how these aspects differ across time, locations, demographic characteristics, and economic conditions of the potential enrollees. In this project, we propose to use data from newly created ACA Health Insurance Marketplaces to explore these issues empirically. Studying the Marketplaces environment is not only inherently relevant for shedding light on the current policy issues, it also gives us an opportunity to explore the preferences for health insurance among non-elderly, and potentially underinsured, populations for whom we so far had little systematic data or knowledge. In the first step, we take advantage of this new setting and data and estimate a random utility model of demand for health insurance plans on the Exchanges. The estimates from the model allow us to say what determines the individuals' decisions to enroll in a plan and how much individuals value, in dollar terms, each feature of the Exchange plans. The estimates further elucidate how these valuations differ across different demographic and socio-economic groups. Further, the estimates allow us to explore evidence for any behavioral biases in the decision-making, and the effects of policies that strive to reduce such biases. In the second step, we proceed to ask how the revealed preferences for health plan features that we estimate could be used by policy-makers as a metric for assessing the development of the complex multi-dimensional offerings on the Marketplaces. This project advances our understanding of the new ACA Marketplace environment. It also advances our so far limited understanding of health insurance preferences, and decision- making in the insurance domain, of non-elderly adults across a diverse set of socio-demographic backgrounds.