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Show Me My Health Plans: Using a Decision Aid to Improve Decisions in the Federal Health Insurance Marketplace.

Publication ,  Journal Article
Politi, MC; Kuzemchak, MD; Liu, J; Barker, AR; Peters, E; Ubel, PA; Kaphingst, KA; McBride, T; Kreuter, MW; Shacham, E; Philpott, SE
Published in: MDM policy & practice
July 2016

Since the Affordable Care Act was passed, more than 12 million individuals have enrolled in the health insurance marketplace. Without support, many struggle to make an informed plan choice that meets their health and financial needs.We designed and evaluated a decision aid, Show Me My Health Plans (SMHP), that provides education, preference assessment, and an annual out-of-pocket cost calculator with plan recommendations produced by a tailored, risk-adjusted algorithm incorporating age, gender, and health status. We evaluated whether SMHP compared to HealthCare.gov improved health insurance decision quality and the match between plan choice, needs, and preferences among 328 Missourians enrolling in the marketplace.Participants who used SMHP had higher health insurance knowledge (LS-Mean = 78 vs. 62; P < 0.001), decision self-efficacy (LS-Mean = 83 vs. 75; P < 0.002), confidence in their choice (LS-Mean = 3.5 vs. 2.9; P < 0.001), and improved health insurance literacy (odds ratio = 2.52, P <0.001) compared to participants using HealthCare.gov. Those using SMHP were 10.3 times more likely to select a silver- or gold-tier plan (P < 0.0001).SMHP can improve health insurance decision quality and the odds that consumers select an insurance plan with coverage likely needed to meet their health needs. This study represents a unique context through which to apply principles of decision support to improve health insurance choices.

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Published In

MDM policy & practice

DOI

EISSN

2381-4683

ISSN

2381-4683

Publication Date

July 2016

Volume

1

Related Subject Headings

  • 4407 Policy and administration
  • 4206 Public health
 

Citation

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Politi, M. C., Kuzemchak, M. D., Liu, J., Barker, A. R., Peters, E., Ubel, P. A., … Philpott, S. E. (2016). Show Me My Health Plans: Using a Decision Aid to Improve Decisions in the Federal Health Insurance Marketplace. MDM Policy & Practice, 1. https://doi.org/10.1177/2381468316679998
Politi, Mary C., Marie D. Kuzemchak, Jingxia Liu, Abigail R. Barker, Ellen Peters, Peter A. Ubel, Kimberly A. Kaphingst, et al. “Show Me My Health Plans: Using a Decision Aid to Improve Decisions in the Federal Health Insurance Marketplace.MDM Policy & Practice 1 (July 2016). https://doi.org/10.1177/2381468316679998.
Politi MC, Kuzemchak MD, Liu J, Barker AR, Peters E, Ubel PA, et al. Show Me My Health Plans: Using a Decision Aid to Improve Decisions in the Federal Health Insurance Marketplace. MDM policy & practice. 2016 Jul;1.
Politi, Mary C., et al. “Show Me My Health Plans: Using a Decision Aid to Improve Decisions in the Federal Health Insurance Marketplace.MDM Policy & Practice, vol. 1, July 2016. Epmc, doi:10.1177/2381468316679998.
Politi MC, Kuzemchak MD, Liu J, Barker AR, Peters E, Ubel PA, Kaphingst KA, McBride T, Kreuter MW, Shacham E, Philpott SE. Show Me My Health Plans: Using a Decision Aid to Improve Decisions in the Federal Health Insurance Marketplace. MDM policy & practice. 2016 Jul;1.

Published In

MDM policy & practice

DOI

EISSN

2381-4683

ISSN

2381-4683

Publication Date

July 2016

Volume

1

Related Subject Headings

  • 4407 Policy and administration
  • 4206 Public health