Choosing among employer-sponsored health plans: what drives employee choices?


Journal Article

To probe employee basis for choosing health plans.In a Web study, 337 employees from large private and public employers were asked to choose among health plans varying on several common dimensions.On per-dollar basis, respondents were more willing to spend $3 to $4 on out-of-pocket copayments than $1 on premiums. Nevertheless, sensitivity to monthly premium is greatest among those who are younger and cover only themselves, whereas sensitivity to the annual deductible is greatest among nonwhite families.Employees are facing a complicated choice and might be well-served by more information about the value of options under different likelihood scenarios.

Full Text

Duke Authors

Cited Authors

  • Schwartz, J; Hadler, NM; Ariely, D; Huber, JC; Emerick, T

Published Date

  • March 2013

Published In

Volume / Issue

  • 55 / 3

Start / End Page

  • 305 - 309

PubMed ID

  • 23222507

Pubmed Central ID

  • 23222507

Electronic International Standard Serial Number (EISSN)

  • 1536-5948

International Standard Serial Number (ISSN)

  • 1076-2752

Digital Object Identifier (DOI)

  • 10.1097/jom.0b013e318279d74c


  • eng