Young Adults Changing Insurance Status: Gaps in Health Insurance Literacy

Tilley, Lana; Yarger, Jennifer; Brindis, Claire D.

doi:10.1007/s10900-018-0469-1

Cited by 17 publications

(16 citation statements)

References 30 publications

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“…For example, those with limited education are often found to have inadequate levels of HIL, yet studies with college students and young adults with high educational attainment, numeracy, and general literacy have been found to have inadequate functional HIL, (Nobles, Curtis, Ngo, Vardell, & Holstege, 2019; Tilley, Yarger, & Brindis, 2018). This emphasizes the need to better address the HIL needs of young adults, especially those who are entering the workforce, transitioning from their parent's health insurance plans, and/or making independent health insurance coverage decisions.…”

Section: Discussionmentioning

confidence: 99%

Significant Disparities Exist in Consumer Health Insurance Literacy: Implications for Health Care Reform

Edward¹,

Wiggins²,

Young³

et al. 2019

HLRP: Health Literacy Research and Practice

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Background: Health insurance literacy (HIL) is defined as a person's ability to seek, obtain, and understand health insurance plans, and once enrolled use their insurance to seek appropriate health care services. Objective: The objectives of this study were to assess sociodemographic disparities in HIL, including knowledge of health insurance terms and costs, and confidence in using insurance to access health care in a nationally representative adult sample. Methods: We conducted a secondary data analysis of the Health Reform Monitoring Survey, which included 15,168 adults age 18 years and older who responded to surveys in the third quarter of 2015 and first quarter of 2016. Rao-Scott chi-square tests and weighted logistic regression were used for analysis. Key Results: The majority of our sample (51%) reported having inadequate HIL as measured by knowledge of basic insurance terms, and close to one-half (48%) had low confidence in using their insurance to access health care. Logistic regression analysis indicated significant disparities in HIL, with multiple groups identified as being at higher risk for having inadequate HIL (as measured by both knowledge and use of health insurance). These included young adults, women, those with Hispanic ethnicity, those who were not U.S. citizens, and those who were currently unmarried. Also identified to be at risk were those who are unemployed, uninsured, and enrolled in public health insurance plans, and those with lower levels of education and income. Most had inadequate knowledge of their annual out-of-pocket costs and insurance plan's deductible amounts. Conclusions: One-half of U.S. adults rate themselves as having inadequate HIL. Sociodemographic disparities in self-reported HIL underscore the need for increased consumer education, as well as efforts to simplify the health care system by promoting value-based care, supporting delivery system reforms, and designing services to be responsive to consumer HIL needs and abilities. [ HLRP: Health Literacy Research and Practice . 2019;3(4):e250–e258.] Plain Language Summary: In a nationally representative sample of 15,168 adults, the majority had low knowledge about basic health insurance terms and had difficulty using health insurance to access needed health care services. These findings indicate that health insurance literacy is a major concern in our community that disproportionately affects some underserved groups more than others, including young adults, groups with low-income, and people who are uninsured.

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Section: Discussionmentioning

confidence: 99%

Significant Disparities Exist in Consumer Health Insurance Literacy: Implications for Health Care Reform

Edward¹,

Wiggins²,

Young³

et al. 2019

HLRP: Health Literacy Research and Practice

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“…Although more women may have insurance coverage, concerns about high deductibles or out-of-pocket spending may be preventing them from using their insurance to access birth control. Insured women may need more education to understand their coverage and, in turn, what they would pay for contraceptive services (Tilley et al, 2018;Wong et al, 2015).…”

Section: Discussionmentioning

confidence: 99%

“…Among women with insurance, out-of-pocket expenses for contraceptives have decreased substantially after the implementation of the ACA contraceptive mandate, which required health plans to cover all Food and Drug Administration-approved contraceptive methods and counseling without cost sharing (Law et al, 2016). However, many young adults lack basic knowledge and understanding of health insurance, including the meaning of concepts such as co-payments and deductibles (Tilley, Yarger, & Brindis, 2018;Wong et al, 2015), so they may have misperceptions about the out-of-pocket contraceptive costs.…”

mentioning

confidence: 99%

Concerns About the Cost of Contraception Among Young Women Attending Community College

Yarger

Schroeder

Blum

et al. 2021

Women's Health Issues

Self Cite

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“…Health insurance resources focus on enrolment over navigation, are in unfavourable formats for many young adults, and are separated by health plan or program. Resources should be provided through institutions connected to young adults and reach those with high health insurance literacy needs, (Tilley et al, 2018).…”

Section: Theoretical Backgroundmentioning

confidence: 99%

Factors influencing insurance for young people

Završnik¹

2021

JEMC

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Present times are changing rapidly, people are becoming increasingly active, and we often find ourselves in a situation over which we have no control. Nowadays we know many types of insurance with which we can take care of our financial security. It is important for individuals to choose the most appropriate type of insurance according to their needs and life span. It is extremely important for young people to start saving for their future as soon as possible in the type of life insurance. The main objective of this paper is what proportion of young people already have insurance or are already thinking about it and why not. We were also interested in what the decisive factors are that make young people decide to buy insurance and why not. Research has shown that young people are aware of the importance of insurance, but most of them do not have adequate financial resources and are insufficiently informed about the types of insurance.

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Young Adults Changing Insurance Status: Gaps in Health Insurance Literacy

Cited by 17 publications

References 30 publications

Significant Disparities Exist in Consumer Health Insurance Literacy: Implications for Health Care Reform

Significant Disparities Exist in Consumer Health Insurance Literacy: Implications for Health Care Reform

Concerns About the Cost of Contraception Among Young Women Attending Community College

Factors influencing insurance for young people

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