Building Health Insurance Literacy: Evidence from the Smart Choice Health Insurance™ Program

Bartholomae, Suzanne; Russell, Mia B.; Braun, Bonnie; McCoy, Teresa

doi:10.1007/s10834-016-9482-7

Cited by 41 publications

(40 citation statements)

References 34 publications

(57 reference statements)

Supporting

Mentioning

Contrasting

Unclassified

Order By: Relevance

“…In McCormack et al's (2009) research on HIL in older Americans, the authors found that HIL was low to moderate in older Americans, but also found HIL to be weakest in older adults, those with lower education, lower income, and poorer health. Research by Bartholomae et al (2016) also found HIL to be related to socio-demographics, where consumers who earned higher incomes, were older, female, and higher educated demonstrated greater initial HIL scores compared to their counterparts (i.e., middle-income consumers, younger, male, and lower educated). Although consumer demographics have been considered in light of HIL, little to no research has considered the role of psychographics and financial knowledge in HIL.…”

Section: Health Insurance Literacymentioning

confidence: 96%

Examining Antecedents of Health Insurance Literacy: The Role of Locus of Control, Cognitive Style, and Financial Knowledge

O’Connor¹,

Kabadayi²

2019

Journal of Consumer Affairs

View full text Add to dashboard Cite

Today's consumer is expected to make health‐care decisions that have serious implications for their welfare. However, a major barrier to these decisions is a basic lack of understanding of health insurance. A critical first step is to examine drivers of health insurance literacy and in turn offer interventions that can have a positive impact on consumer welfare. This article explores the relationship between relevant consumer psychographics, financial knowledge, and demographics with health insurance literacy. Results indicate that while demographics play a role, the degree to which consumers believe a situation or event is under their own control (i.e., locus of control), how they process information (i.e., cognitive style), and consumer's financial confidence (i.e., subjective knowledge) is a critical indicator of their health insurance literacy. Cluster analysis reveals three “faces” of health insurance literacy.

show abstract

Section: Health Insurance Literacymentioning

confidence: 96%

Examining Antecedents of Health Insurance Literacy: The Role of Locus of Control, Cognitive Style, and Financial Knowledge

O’Connor¹,

Kabadayi²

2019

Journal of Consumer Affairs

View full text Add to dashboard Cite

show abstract

“…Having health care coverage results in timely access to needed health care services that are vital for disease prevention and management (Hadley, 2007; Durham et al, 1998; Wilper et al, 2009a; Wilper et al, 2009b). Despite growing research in the area of HIL after the implementation of the Affordable Care Act (ACA) and subsequent changes in health care reform policies, few studies have been able to establish national sociodemographic trends in HIL (Bartholomae, Russell, Braun, & McCoy, 2016; Brown et al, 2016; Harris-Kojetin et al, 2007; Kullgren et al, 2010; Politi et al, 2014; Sinaiko, Ross-Degnan, Soumerai, Lieu, & Galbraith, 2013; Stein, 2016; Wong et al, 2015). The purpose of this study was to assess sociodemographic disparities in HIL, including knowledge of health insurance terms and costs, as well as confidence in using insurance to access health care in a nationally representative sample.…”

mentioning

confidence: 99%

Significant Disparities Exist in Consumer Health Insurance Literacy: Implications for Health Care Reform

Edward¹,

Wiggins²,

Young³

et al. 2019

HLRP: Health Literacy Research and Practice

View full text Add to dashboard Cite

Background: Health insurance literacy (HIL) is defined as a person's ability to seek, obtain, and understand health insurance plans, and once enrolled use their insurance to seek appropriate health care services. Objective: The objectives of this study were to assess sociodemographic disparities in HIL, including knowledge of health insurance terms and costs, and confidence in using insurance to access health care in a nationally representative adult sample. Methods: We conducted a secondary data analysis of the Health Reform Monitoring Survey, which included 15,168 adults age 18 years and older who responded to surveys in the third quarter of 2015 and first quarter of 2016. Rao-Scott chi-square tests and weighted logistic regression were used for analysis. Key Results: The majority of our sample (51%) reported having inadequate HIL as measured by knowledge of basic insurance terms, and close to one-half (48%) had low confidence in using their insurance to access health care. Logistic regression analysis indicated significant disparities in HIL, with multiple groups identified as being at higher risk for having inadequate HIL (as measured by both knowledge and use of health insurance). These included young adults, women, those with Hispanic ethnicity, those who were not U.S. citizens, and those who were currently unmarried. Also identified to be at risk were those who are unemployed, uninsured, and enrolled in public health insurance plans, and those with lower levels of education and income. Most had inadequate knowledge of their annual out-of-pocket costs and insurance plan's deductible amounts. Conclusions: One-half of U.S. adults rate themselves as having inadequate HIL. Sociodemographic disparities in self-reported HIL underscore the need for increased consumer education, as well as efforts to simplify the health care system by promoting value-based care, supporting delivery system reforms, and designing services to be responsive to consumer HIL needs and abilities. [ HLRP: Health Literacy Research and Practice . 2019;3(4):e250–e258.] Plain Language Summary: In a nationally representative sample of 15,168 adults, the majority had low knowledge about basic health insurance terms and had difficulty using health insurance to access needed health care services. These findings indicate that health insurance literacy is a major concern in our community that disproportionately affects some underserved groups more than others, including young adults, groups with low-income, and people who are uninsured.

show abstract

“…Accordingly, this Special Issue of the Journal of Family and Economic Issues includes six original papers that take different approaches to examining health care and its efficacy in the United States. Bartholomae et al's (2016) study enhances our understanding of sociodemographic and environmental variables that predict initiation of health insurance literacy and its gains. Their robust health insurance literacy indicators rest on a well-defined, conceptualized, and psychometrically tested measure.…”

Section: Contributions To Affordable Health Carementioning

confidence: 79%

Affordable Health Care

Mokhtari

2016

J Fam Econ Iss

View full text Add to dashboard Cite

Building Health Insurance Literacy: Evidence from the Smart Choice Health Insurance™ Program

Cited by 41 publications

References 34 publications

Examining Antecedents of Health Insurance Literacy: The Role of Locus of Control, Cognitive Style, and Financial Knowledge

Examining Antecedents of Health Insurance Literacy: The Role of Locus of Control, Cognitive Style, and Financial Knowledge

Significant Disparities Exist in Consumer Health Insurance Literacy: Implications for Health Care Reform

Affordable Health Care

Contact Info

Product

Resources

About