Assessing Choices and Choice Landscape in Health Insurance Marketplaces

其他项目信息-项目摘要/摘要 高昂的医疗保健费用和不平等的医疗保险机会相结合，极有可能 在整个社会造成健康结果的不平等。认识到医疗保险的重要性 在准入方面，政策制定者提出了几项举措，以解决准入障碍。一位杰出的 最近计划的组成部分是在受监管的医疗保险中强调消费者的选择 努力为保险公司提供高质量、负担得起的健康计划创造激励措施的环境。至 在这些环境中制定最佳政策，重要的是了解个人的决定因素 购买保险的决定，哪种类型的保险看起来最有价值，以及这些方面 潜在参与者的时间、地点、人口特征和经济条件各不相同。 在这个项目中，我们建议使用来自新创建的ACA健康保险市场的数据来探索 这些问题都是经验性的。研究市场环境不仅与减产有着内在的关联 对于当前的政策问题，它也给了我们一个机会来探索对健康保险的偏好 在非老年人和潜在保险不足的人群中，我们到目前为止几乎没有系统的数据或 知识。在第一步中，我们利用这个新的设置和数据并估计随机效用 交易所对健康保险计划的需求模式。根据模型的估计，我们可以说 是什么决定了个人加入计划的决定，以及以美元计算，个人的价值有多高？ 交换计划的每一项功能。这些估计进一步阐明了这些估值在不同地区之间的差异 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 决策中的行为偏差，以及努力减少此类偏差的政策的效果。在 第二步，我们继续询问我们估计的对健康计划功能的显示偏好如何 被政策制定者用作评估复杂的多维 市场上的产品。这个项目增进了我们对新的ACA市场的理解 环境。它还促进了我们对医疗保险偏好的有限理解，以及决策- 在保险领域，来自不同社会人口背景的非老年成年人。

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.