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This summary is machine-generated.

Choosing health insurance is complex. This study found employees primarily use official websites and HR resources, with less reliance on friends or family as they age. Understanding these information sources aids consumer decision-making.

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Area of Science:

  • Health Services Research
  • Consumer Health Informatics
  • Health Insurance Policy

Background:

  • Health insurance enrollment presents significant financial and health implications for individuals.
  • Low health insurance literacy and insufficient knowledge complicate the plan selection process.
  • Understanding consumer decision-making is crucial for effective health insurance plan support.

Purpose of the Study:

  • To identify information sources utilized by individuals for employer-provided health insurance enrollment.
  • To examine how demographic factors influence the selection of specific information sources.
  • To explore the relationship between health insurance literacy and technology acceptance on information source choice.

Main Methods:

  • A literature review on health insurance plan selection and information sources from the 1980s to present.
  • An electronic survey administered to 151 full-time faculty and staff, with 126 eligible respondents.
  • Descriptive statistics and Cochran-Armitage trend test to analyze demographic characteristics and source utilization.

Main Results:

  • Most respondents were women (81.7%) with small households (69%) and moderate to high health insurance literacy.
  • Top information sources included official employer/state websites and HR Virtual Benefits Counselor Alex.
  • Official primary source use remained consistent across age and insurance usage groups; reliance on friends/family decreased with age.

Conclusions:

  • Employees often require 2-3 sources to gather desired health insurance information.
  • Key individual factors like age, gender, and literacy correlate with primary information source selection.
  • This study provides foundational insights into employee health insurance information-seeking behaviors.