有针对性的信息是否会影响消费者对价值医疗保险的偏好? 来自调查实验的证据
1Faculty of Health Sciences and Medicine & Center for Health, Policy, and Economics, University of Lucerne, Alpenquai 4, Lucerne, CH-6005, Switzerland. tessbardy@gmail.com.
提供关于健康保险法规的明确信息显著提高了消费者对基于价值的保险设计 (VBID) 的兴趣. 量身定制的沟通可以改善对医疗保险选择的理解和决策.
科学领域:
- 卫生经济学 卫生经济学
- 行为经济学是一种行为经济学.
- 医疗保险政策 医疗保险政策
背景情况:
- 基于价值的保险设计 (VBID) 激励高价值的护理,但由于消费者医疗保险知识有限,面临挑战.
- 由于缺乏对保险系统和法规的了解,消费者偏好可能会被扭曲.
研究的目的:
- 调查特定信息处理如何影响消费者对基于价值的保险设计 (VBID) 的偏好.
- 评估医疗保险素养在以选择为基础的保险体系中塑造选择中的作用.
主要方法:
- 在瑞士医疗保险代表性调查中进行了一项信息实验.
- 离散选择实验测量了6033名受访者 (26-75岁) 中对VBID的偏好.
- 用描述性统计和混合逻辑回归来分析数据.
主要成果:
- 受访者最初更喜欢当前保险而不是VBID替代品.
- 关于成本共享,药品支付和保费的一般信息增加了VBID偏好 (p < 0.01).
- 特定的VBID信息减少了反对,但观察到对共同付款的定效应.
结论:
- 个人在形成VBID偏好时对信息敏感,这表明医疗保险知识有限.
- 定制的沟通策略对于加强保险决策和促进VBID采用至关重要.
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