Do Individuals Make Sensible Health Insurance Decisions
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Do Individuals Make Sensible Health Insurance Decisions
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Author : Saurabh Bhargava
language : en
Publisher:
Release Date : 2015
Do Individuals Make Sensible Health Insurance Decisions written by Saurabh Bhargava and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015 with Choice (Psychology) categories.
The recent expansion of health-plan choice has been touted as increasing competition and enabling people to choose plans that fit their needs. This study provides new evidence challenging these proposed benefits of expanded health-insurance choice. We examine health-insurance decisions of employees at a large U.S. firm where a new plan menu included a large share of financially dominated options. This menu offers a unique litmus test for evaluating choice quality since standard risk preferences and beliefs about one's health cannot rationalize enrollment into the dominated plans. We find that a majority of employees - and in particular, older workers, women, and low earners - chose dominated options, resulting in substantial excess spending. Most employees would have fared better had they instead been enrolled in the single actuarially-best plan. In follow-up hypothetical-choice experiments, we observe similar choices despite far simpler menus. We find these choices reflect a severe deficit in health insurance literacy and naïve considerations of health risk and price, rather than a sensible comparison of plan value. Our results challenge the standard practice of inferring risk attitudes and assessing welfare from insurance choices, and raise doubts whether recent health reforms will deliver their promised benefits.
Moral Hazard In Health Insurance
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Author : Amy Finkelstein
language : en
Publisher: Columbia University Press
Release Date : 2014-12-02
Moral Hazard In Health Insurance written by Amy Finkelstein and has been published by Columbia University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-12-02 with Medical categories.
Addressing the challenge of covering heath care expenses—while minimizing economic risks. Moral hazard—the tendency to change behavior when the cost of that behavior will be borne by others—is a particularly tricky question when considering health care. Kenneth J. Arrow’s seminal 1963 paper on this topic (included in this volume) was one of the first to explore the implication of moral hazard for health care, and Amy Finkelstein—recognized as one of the world’s foremost experts on the topic—here examines this issue in the context of contemporary American health care policy. Drawing on research from both the original RAND Health Insurance Experiment and her own research, including a 2008 Health Insurance Experiment in Oregon, Finkelstein presents compelling evidence that health insurance does indeed affect medical spending and encourages policy solutions that acknowledge and account for this. The volume also features commentaries and insights from other renowned economists, including an introduction by Joseph P. Newhouse that provides context for the discussion, a commentary from Jonathan Gruber that considers provider-side moral hazard, and reflections from Joseph E. Stiglitz and Kenneth J. Arrow. “Reads like a fireside chat among a group of distinguished, articulate health economists.” —Choice
The Health Care Consumer S Manifesto
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Author : Deborah Dove Gordon
language : en
Publisher: Bloomsbury Publishing USA
Release Date : 2020-02-24
The Health Care Consumer S Manifesto written by Deborah Dove Gordon and has been published by Bloomsbury Publishing USA this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-02-24 with Health & Fitness categories.
A health care executive at Harvard explains how to become a savvy consumer and get the value we all deserve for our health care spending. This book navigates and demystifies the confusing world of health care shopping. Readers go on a guided tour inside American health care to learn why it is so messy, and who is invested in keeping it that way. The text offers a new vision of how health care could work if it were truly designed to meet consumer needs, creating a call to action on how to demand and help create such a system. A wake-up call to an industry tenuously holding on to the status quo and ripe for true disruption, this book outlines what consumers can do themselves and demand from doctors, hospitals, health plans, and policy makers to get more for their health care spending and, in so doing, reshape the health care system into one we all deserve. Using real and compelling consumer stories intertwined with expert analysis, this book illustrates why it is so difficult to act as an engaged health care consumer in the United States and pulls back the curtain to expose the forces that hold the system in place.
Behavioral Economics And Healthy Behaviors
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Author : Yaniv Hanoch
language : en
Publisher: Routledge
Release Date : 2017-05-18
Behavioral Economics And Healthy Behaviors written by Yaniv Hanoch and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-05-18 with Psychology categories.
The field of behavioural economics can tell us a great deal about cognitive bias and unconscious decision-making, challenging the orthodox economic model whereby consumers make rational and informed choices. But it is in the arena of health that it perhaps offers individuals and governments the most value. In this important new book, the most pernicious health issues we face today are examined through a behavioral economic lens. It provides an essential and timely overview of how this growing field of study can reframe and offer solutions to some of the biggest health issues of our age. The book opens with an overview of the core theoretical concepts, after which each chapter assesses how behavioral economic research and practice can inform public policy across a range of health issues. Including chapters on tobacco, alcohol and drug use, physical activity, dietary intake, cancer screening and sexual health, the book integrates the key insights from the field to both developed and developing nations. Also asking important ethical questions around paternalism and informed choice, this book will be essential reading for students and researchers across psychology, economics and business and management, as well as public health professionals wishing for a concise overview of the role behavioral economics can potentially play in allowing people to live healthier lives.
The Theory Of Demand For Health Insurance
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Author : John A. Nyman
language : en
Publisher: Stanford University Press
Release Date : 2003
The Theory Of Demand For Health Insurance written by John A. Nyman and has been published by Stanford University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2003 with Health & Fitness categories.
Why do people buy health insurance? Conventional theory holds that people purchase insurance because they prefer the certainty of paying a small premium to the risk of getting sick and paying a large medical bill. This book presents a new theory of consumer demand for health insurance. It holds that people purchase insurance to obtain additional "income" when they become ill.
Achieving Person Centred Health Systems
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Author : Ellen Nolte
language : en
Publisher: Cambridge University Press
Release Date : 2020-08-06
Achieving Person Centred Health Systems written by Ellen Nolte and has been published by Cambridge University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-08-06 with Health & Fitness categories.
An evidence-based analysis of the opportunities and challenges of moving towards more person-centred health systems.
Advanced Introduction To Behavioral Law And Economics
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Author : Cass R. Sunstein
language : en
Publisher: Edward Elgar Publishing
Release Date : 2023-12-11
Advanced Introduction To Behavioral Law And Economics written by Cass R. Sunstein and has been published by Edward Elgar Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-12-11 with Business & Economics categories.
This highly informative Advanced Introduction explores the diverse and far-reaching legal implications of some of the key findings of behavioral economics. This Advanced Introduction provides a much-needed assessment and analysis of the law as a critical domain for the use of behavioral economics, and investigates how techniques including nudging, mandates, and taxes can be used to enhance the effectiveness and improve the implementation of the law.
What S In What S Out
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Author : Amanda Glassman
language : en
Publisher: Brookings Institution Press
Release Date : 2017-10-10
What S In What S Out written by Amanda Glassman and has been published by Brookings Institution Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-10-10 with Medical categories.
Vaccinate children against deadly pneumococcal disease, or pay for cardiac patients to undergo lifesaving surgery? Cover the costs of dialysis for kidney patients, or channel the money toward preventing the conditions that lead to renal failure in the first place? Policymakers dealing with the realities of limited health care budgets face tough decisions like these regularly. And for many individuals, their personal health care choices are equally stark: paying for medical treatment could push them into poverty. Many low- and middle-income countries now aspire to universal health coverage, where governments ensure that all people have access to the quality health services they need without risk of impoverishment. But for universal health coverage to become reality, the health services offered must be consistent with the funds available—and this implies tough everyday choices for policymakers that could be the difference between life and death for those affected by any given condition or disease. The situation is particularly acute in low- and middle income countries where public spending on health is on the rise but still extremely low, and where demand for expanded services is growing rapidly. What’s In, What’s Out: Designing Benefits for Universal Health Coverage argues that the creation of an explicit health benefits plan—a defined list of services that are and are not available—is an essential element in creating a sustainable system of universal health coverage. With contributions from leading health economists and policy experts, the book considers the many dimensions of governance, institutions, methods, political economy, and ethics that are needed to decide what’s in and what’s out in a way that is fair, evidence-based, and sustainable over time.
Impact Of Health Insurance In Low And Middle Income Countries
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Author : Maria-Luisa Escobar
language : en
Publisher: Brookings Institution Press
Release Date : 2010
Impact Of Health Insurance In Low And Middle Income Countries written by Maria-Luisa Escobar and has been published by Brookings Institution Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010 with Social Science categories.
Over the past twenty years, many low- and middle-income countries have experimented with health insurance options. While their plans have varied widely in scale and ambition, their goals are the same: to make health services more affordable through the use of public subsidies while also moving care providers partially or fully into competitive markets. Until now, however, we have known little about the actual effects of these dramatic policy changes. Understanding the impact of health insurance-based care is key to the public policy debate of whether to extend insurance to low-income populationsand if so, how to do itor to serve them through other means.
Interdisciplinary Studies Of The Market Order
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Author : Peter J. Boettke, Professor, George Mason University
language : en
Publisher: Rowman & Littlefield
Release Date : 2017-05-31
Interdisciplinary Studies Of The Market Order written by Peter J. Boettke, Professor, George Mason University and has been published by Rowman & Littlefield this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-05-31 with Political Science categories.
This volume brings together original research from the Austrian, Virginia, and Bloomington schools of political economy to analyse central elements of market process and market order.