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Consumer health plan choice: current knowledge and future directions

D P Scanlon1, M Chernew, J R Lave

  • 1Department of Health Management and Policy, University of Michigan School of Public Health, Ann Arbor 48109-2029, USA. dscanlon@umich.edu

Annual Review of Public Health
|January 1, 1997
PubMed
Summary
This summary is machine-generated.

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Consumers often lack information beyond price when choosing health insurance plans. Research is needed to understand how factors like health status and plan features influence these decisions.

Area of Science:

  • Health economics
  • Consumer behavior research
  • Health services research

Background:

  • Health insurance markets assume informed consumer choice based on cost and quality.
  • Limited understanding exists regarding how consumers utilize non-price information in health plan selection.

Purpose of the Study:

  • To review current knowledge on health plan choice decision-making.
  • To identify research gaps and propose future research directions in health plan selection.

Main Methods:

  • Literature review of existing studies on health plan choice.
  • Synthesis of findings on factors influencing consumer decisions.
  • Identification of areas requiring further investigation.

Main Results:

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  • Current literature is insufficient for today's managed care environment.
  • Non-price attributes significantly influence health plan choice.
  • Health status and population-specific factors interact with plan attributes.

Conclusions:

  • Future research must explore how plan attributes beyond price impact choice.
  • Understanding the interplay between health status and plan selection is crucial.
  • Differentiated research is needed for various populations' health plan decision-making.