The Experience of Young Adults on HealthCare.gov: Suggestions for Improvement

Wong, Charlene A.; Asch, David A.; Vinoya, Cjloe M.; Ford, Carol A.; Baker, Tom; Town, Robert J.; Merchant, Raina M.

doi:10.7326/l14-0287

Cited by 16 publications

(11 citation statements)

References 1 publication

Supporting

Mentioning

Contrasting

Order By: Relevance

“…Even with the "family glitch" (families' eligibility for Marketplace subsidies is based on premiums associated with an individual-rather than family-level ESI policy) potentially diminishing the availability of dependent coverage options for lower SES YAs, Marketplaces may contemporaneously help to mollify this barrier to affordable private coverage for YAs who apply for subsidized coverage on their own (and thus would not be penalized for their parents' income). Yet, poor understanding of health insurance and confusion in navigating this new platform may still lessen this potential benefit for YAs, 18 perhaps explaining why YAs saw smaller gains in non-group market coverage than older YAs.…”

Section: Discussionmentioning

confidence: 99%

Inequalities in Young Adult Health Insurance Coverage Post-federal Health Reform

Wisk

Sharma

2018

J GEN INTERN MED

View full text Add to dashboard Cite

Section: Discussionmentioning

confidence: 99%

Inequalities in Young Adult Health Insurance Coverage Post-federal Health Reform

Wisk

Sharma

2018

J GEN INTERN MED

View full text Add to dashboard Cite

“…The average adjusted out-of-pocket expense for a pill prescription fell from $33.58 in June 2012 to $19.84 in June 2013, and the out-of-pocket expense for an IUD insertion fell from $293.28 to $145. 24.…”

Section: Study Resultsmentioning

confidence: 99%

“…A recent study of young adults' experiences in shopping for health insurance on HealthCare.gov found that many were unaware that well-women visits and contraception were included as preventive services with no cost sharing. 24 The impact of the ACA mandate on contraceptive utilization will therefore depend on how sensitive consumers are to out-of-pocket expenses for contraceptives and how many women were dissuaded from using contraceptive products by that expense before the mandate's implementation. 25 Very few studies have estimated the responsiveness of consumers to the out-of-pocket expense of contraceptives in the United States, and no study has estimated it for the population of privately insured women affected by the ACA mandate.…”

Section: Policy Implicationsmentioning

confidence: 99%

Women Saw Large Decrease In Out-Of-Pocket Spending For Contraceptives After ACA Mandate Removed Cost Sharing

Becker

Polsky

2015

Health Affairs

View full text Add to dashboard Cite

The Affordable Care Act mandates that private health insurance plans cover prescription contraceptives with no consumer cost sharing. The positive financial impact of this new provision on consumers who purchase contraceptives could be substantial, but it has not yet been estimated. Using a large administrative claims data set from a national insurer, we estimated out-of-pocket spending before and after the mandate. We found that mean and median per prescription out-of-pocket expenses have decreased for almost all reversible contraceptive methods on the market. The average percentages of out-of-pocket spending for oral contraceptive pill prescriptions and intrauterine device insertions by women using those methods both dropped by 20 percentage points after implementation of the ACA mandate. We estimated average out-of-pocket savings per contraceptive user to be $248 for the intrauterine device and $255 annually for the oral contraceptive pill. Our results suggest that the mandate has led to large reductions in total out-of-pocket spending on contraceptives and that these price changes are likely to be salient for women with private health insurance.

show abstract

“…Confusion over too much choice has been found in real-world settings, as well as the survey and experimental settings above. Informed by on interviews with 33 young adults who were navigating the HealthCare.gov website in real time, Wong et al (2014) found that respondents were overwhelmed by the amount of information provided. The Massachusetts health reform experience also revealed that consumers might prefer fewer choices and standardization of plan benefits.…”

Section: Real-world Settingsmentioning

confidence: 99%

Consumer Decisionmaking in the Health Care Marketplace

Taylor¹,

Carman²,

López³

et al. 2016

View full text Add to dashboard Cite

For this report, researchers conducted a literature review to better understand how consumers make choices about health insurance enrollment and to assess how website design can influence choice when consumers select plans online. The team also considered how such factors as imperfect information and bounded rationality can influence consumers' health plan choices and whether errors in decisionmaking caused by information failures or bounded rationality can be reduced with better website design. In addition to conducting the literature review, the team reviewed 20 health insurance websites, including 14 websites operated by state-based marketplaces, four private health insurance websites, and two public health insurance websites (the Medicare Plan Finder [Centers for Medicare & Medicaid Services, undated (b)] and the California Public Employees' Retirement System website [California Public Employees' Retirement System, 2016]). In reviewing these websites, the team attempted to understand how the design of the sites might influence choices. After a review of the team's findings, the report concludes with a discussion about how websites could be improved to better support consumers' enrollment decisions. We conducted the literature review and the review of the websites in the spring of 2015. This report will be of interest to policymakers and industry experts involved in designing health insurance websites and researchers who are interested in consumer choice. The work was sponsored by the U.S. Department of Health and Human Services, Office of the Assistant Secretary for Planning and Evaluation. However, the views, opinions, and findings presented here are ours and should not be construed as official government positions unless so designated by other documents. Questions concerning this report can be addressed to Christine Eibner

show abstract

The Experience of Young Adults on HealthCare.gov: Suggestions for Improvement

Cited by 16 publications

References 1 publication

Inequalities in Young Adult Health Insurance Coverage Post-federal Health Reform

Inequalities in Young Adult Health Insurance Coverage Post-federal Health Reform

Women Saw Large Decrease In Out-Of-Pocket Spending For Contraceptives After ACA Mandate Removed Cost Sharing

Consumer Decisionmaking in the Health Care Marketplace

Contact Info

Product

Resources

About