The simple case against health insurance complexity
G Loewenstein, S Bhargava - NEJM Catalyst, 2016 - catalyst.nejm.org
NEJM Catalyst, 2016•catalyst.nejm.org
… We believe that the most promising strategy for addressing problems caused by
complexity is to reduce the complexity. Rather than providing education or information at the
point of enrollment, the goal should be to make plans simple enough so that even poorly
informed consumers can understand them. Making … Given the substantial economic and
psychological consequences of insurance complexity for plan enrollment, health care
utilization, and competition between insurers, we believe that the case for policies that …
complexity is to reduce the complexity. Rather than providing education or information at the
point of enrollment, the goal should be to make plans simple enough so that even poorly
informed consumers can understand them. Making … Given the substantial economic and
psychological consequences of insurance complexity for plan enrollment, health care
utilization, and competition between insurers, we believe that the case for policies that …
Making health plans simpler and more understandable to consumers will help them to make efficient decisions, thereby alleviating both the financial and psychological burdens of enrollment.
catalyst.nejm.org
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