在加利福尼亚州的ACA市场上,电子邮件推动了资格验证和补贴收款的增加
Rebecca Myerson1, Andrew Feher2
1Rebecca Myerson, University of Wisconsin-Madison, Madison, Wisconsin.
Health affairs (Project Hope)
|September 3, 2024
概括
电子邮件提醒帮助一些可负担医疗法案 (ACA) 市场注册者重新同意获得医疗保险补贴. 然而,许多人仍然错过了最后期限,这凸显了改善补贴获取的政策变革的必要性.
科学领域:
- 卫生政策研究 卫生政策研究
- 行为经济学是一种行为经济学.
- 公共卫生干预措施 公共卫生干预措施
背景情况:
- 可负担医疗法案 (ACA) 市场需要定期同意来验证与收入相关的保费补贴.
- 消费者必须更新同意才能保持获得补贴的资格,这构成了行政障碍.
研究的目的:
- 评估电子邮件推动在增加ACA市场溢价补贴的同意更新方面的有效性.
- 评估电子邮件提醒对持续获得补贴的影响.
主要方法:
- 一个随机实验,涉及加利福尼亚州ACA市场的2万多户家庭.
- 测试一个,两个或三个提醒电子邮件对同意更新和补贴收件的影响.
主要成果:
- 三封电子邮件使同意更新增加了1.9个百分点 (3.2%),补贴收到增加了2.0个百分点 (4.0%).
- 尽管进行了干预,但近40%的收到三封电子邮件的家庭在注册截止日期之前没有更新同意.
结论:
- 电子邮件推动可以适度地改善补贴的更新,但不能完全克服行政障碍.
- 政策和结构性变化是必要的,以减少障碍,并提高市场覆盖的可负担性.
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