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推和自动计划切换对低收入市场注册者的选择错误的影响进行比较
Emory Wolf1, Andrew Feher2, Katie Ravel3
1Emory Wolf (Emory.Wolf@covered.ca.gov), Covered California, Sacramento, California.
Health affairs (Project Hope)
|July 5, 2023
概括
自动计划入学显著促进了更好的负担得起的医疗法案 (ACA) 市场计划对低收入家庭的吸收. 轻点的效果较小,突出了简化医疗保险选择的影响.
科学领域:
- 卫生政策 卫生政策
- 卫生经济学 卫生经济学
- 行为经济学是一种行为经济学.
背景情况:
- 可负担医疗法案 (ACA) 市场促进医疗保险的购买.
- 低收入家庭经常面临复杂的选择,导致计划选择不足最佳.
- 成本共享降低 (CSR) 银计划为符合条件的个人提供了增强的福利.
研究的目的:
- 评估旨在减少ACA市场计划选择中的选择错误的干预措施.
- 为了比较推动干预的有效性与低收入家庭的自动招生.
- 增加零溢价CSR银计划的入学人数.
主要方法:
- 一项随机对照试验 (RCT) 测试了推动干预 (通过信件/电子邮件提醒).
- 一个近乎实验性的行人交叉路口干预措施自动将符合条件的个人纳入了企业社会责任银计划.
- 该研究的重点是加利福尼亚州2022年ACA市场公开招生中的低收入家庭.
主要成果:
- 推动干预使企业社会责任银计划的采用率增加了2.3个百分点 (26%),但大多数仍然在非银计划中.
- 自动招生显著提高了CSR银计划的采用率,增加了83.0个百分点 (822%).
- 在自动招生组中,超过90%的家庭选择了企业社会责任银计划.
结论:
- 自动招生在增加低收入人群中受益健康保险计划的采用方面非常有效.
- 与自动注册相比,nudge干预在简化复杂的医疗保险选择方面显示出适度的影响.
- 调查结果为改善医疗保险获取和ACA市场内的公平性制定战略提供了信息.
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