Knowledge and understanding of health insurance: challenges and remedies

Bibliographic Details
Title:	Knowledge and understanding of health insurance: challenges and remedies
Authors:	Andrew J. Barnes, Yaniv Hanoch
Source:	Israel Journal of Health Policy Research, Vol 6, Iss 1, Pp 1-3 (2017)
Publisher Information:	BMC, 2017.
Publication Year:	2017
Collection:	LCC:Medicine (General) LCC:Public aspects of medicine
Subject Terms:	Choice architecture, Health insurance, Literacy, Numeracy, Medicine (General), R5-920, Public aspects of medicine, RA1-1270
More Details:	Abstract As coverage is expanded in health systems that rely on consumers to choose health insurance plans that best meet their needs, interest in whether consumers possess sufficient understanding of health insurance to make good coverage decisions is growing. The recent IJHPR article by Green and colleagues—examining understanding of supplementary health insurance (SHI) among Israeli consumers—provides an important and timely answer to the above question. Indeed, their study addresses similar problems to the ones identified in the US health care market, with two notable findings. First, they show that overall—regardless of demographic variables—there are low levels of knowledge about SHI, which the literature has come to refer to more broadly as “health insurance literacy.” Second, they find a significant disparity in health insurance literacy between different SES groups, where Jews were significantly more knowledgeable about SHI compared to their Arab counterparts. The authors’ findings are consistent with a growing body of literature from the U.S. and elsewhere, including our own, presenting evidence that consumers struggle with understanding and using health insurance. Studies in the U.S. have also found that difficulties are generally more acute for populations considered the most vulnerable and consequently most in need of adequate and affordable health insurance coverage. The authors’ findings call attention to the need to tailor communication strategies aimed at mitigating health insurance literacy and, ultimately, access and outcomes disparities among vulnerable populations in Israel and elsewhere. It also raises the importance of creating insurance choice environments in health systems relying on consumers to make coverage decisions that facilitate the decision process by using “choice architecture” to, among other things, simplify plan information and highlight meaningful differences between coverage options.
Document Type:	article
File Description:	electronic resource
Language:	English
ISSN:	2045-4015
Relation:	http://link.springer.com/article/10.1186/s13584-017-0163-2; https://doaj.org/toc/2045-4015
DOI:	10.1186/s13584-017-0163-2
Access URL:	https://doaj.org/article/ed45e300566e4ecfad69e499d010614f
Accession Number:	edsdoj.45e300566e4ecfad69e499d010614f
Database:	Directory of Open Access Journals

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Items	– Name: Title Label: Title Group: Ti Data: Knowledge and understanding of health insurance: challenges and remedies – Name: Author Label: Authors Group: Au Data: <searchLink fieldCode="AR" term="%22Andrew+J%2E+Barnes%22">Andrew J. Barnes</searchLink><br /><searchLink fieldCode="AR" term="%22Yaniv+Hanoch%22">Yaniv Hanoch</searchLink> – Name: TitleSource Label: Source Group: Src Data: Israel Journal of Health Policy Research, Vol 6, Iss 1, Pp 1-3 (2017) – Name: Publisher Label: Publisher Information Group: PubInfo Data: BMC, 2017. – Name: DatePubCY Label: Publication Year Group: Date Data: 2017 – Name: Subset Label: Collection Group: HoldingsInfo Data: LCC:Medicine (General)<br />LCC:Public aspects of medicine – Name: Subject Label: Subject Terms Group: Su Data: <searchLink fieldCode="DE" term="%22Choice+architecture%22">Choice architecture</searchLink><br /><searchLink fieldCode="DE" term="%22Health+insurance%22">Health insurance</searchLink><br /><searchLink fieldCode="DE" term="%22Literacy%22">Literacy</searchLink><br /><searchLink fieldCode="DE" term="%22Numeracy%22">Numeracy</searchLink><br /><searchLink fieldCode="DE" term="%22Medicine+%28General%29%22">Medicine (General)</searchLink><br /><searchLink fieldCode="DE" term="%22R5-920%22">R5-920</searchLink><br /><searchLink fieldCode="DE" term="%22Public+aspects+of+medicine%22">Public aspects of medicine</searchLink><br /><searchLink fieldCode="DE" term="%22RA1-1270%22">RA1-1270</searchLink> – Name: Abstract Label: Description Group: Ab Data: Abstract As coverage is expanded in health systems that rely on consumers to choose health insurance plans that best meet their needs, interest in whether consumers possess sufficient understanding of health insurance to make good coverage decisions is growing. The recent IJHPR article by Green and colleagues—examining understanding of supplementary health insurance (SHI) among Israeli consumers—provides an important and timely answer to the above question. Indeed, their study addresses similar problems to the ones identified in the US health care market, with two notable findings. First, they show that overall—regardless of demographic variables—there are low levels of knowledge about SHI, which the literature has come to refer to more broadly as “health insurance literacy.” Second, they find a significant disparity in health insurance literacy between different SES groups, where Jews were significantly more knowledgeable about SHI compared to their Arab counterparts. The authors’ findings are consistent with a growing body of literature from the U.S. and elsewhere, including our own, presenting evidence that consumers struggle with understanding and using health insurance. Studies in the U.S. have also found that difficulties are generally more acute for populations considered the most vulnerable and consequently most in need of adequate and affordable health insurance coverage. The authors’ findings call attention to the need to tailor communication strategies aimed at mitigating health insurance literacy and, ultimately, access and outcomes disparities among vulnerable populations in Israel and elsewhere. It also raises the importance of creating insurance choice environments in health systems relying on consumers to make coverage decisions that facilitate the decision process by using “choice architecture” to, among other things, simplify plan information and highlight meaningful differences between coverage options. – Name: TypeDocument Label: Document Type Group: TypDoc Data: article – Name: Format Label: File Description Group: SrcInfo Data: electronic resource – Name: Language Label: Language Group: Lang Data: English – Name: ISSN Label: ISSN Group: ISSN Data: 2045-4015 – Name: NoteTitleSource Label: Relation Group: SrcInfo Data: http://link.springer.com/article/10.1186/s13584-017-0163-2; https://doaj.org/toc/2045-4015 – Name: DOI Label: DOI Group: ID Data: 10.1186/s13584-017-0163-2 – Name: URL Label: Access URL Group: URL Data: <link linkTarget="URL" linkTerm="https://doaj.org/article/ed45e300566e4ecfad69e499d010614f" linkWindow="_blank">https://doaj.org/article/ed45e300566e4ecfad69e499d010614f</link> – Name: AN Label: Accession Number Group: ID Data: edsdoj.45e300566e4ecfad69e499d010614f
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RecordInfo	BibRecord: BibEntity: Identifiers: – Type: doi Value: 10.1186/s13584-017-0163-2 Languages: – Text: English PhysicalDescription: Pagination: PageCount: 3 StartPage: 1 Subjects: – SubjectFull: Choice architecture Type: general – SubjectFull: Health insurance Type: general – SubjectFull: Literacy Type: general – SubjectFull: Numeracy Type: general – SubjectFull: Medicine (General) Type: general – SubjectFull: R5-920 Type: general – SubjectFull: Public aspects of medicine Type: general – SubjectFull: RA1-1270 Type: general Titles: – TitleFull: Knowledge and understanding of health insurance: challenges and remedies Type: main BibRelationships: HasContributorRelationships: – PersonEntity: Name: NameFull: Andrew J. Barnes – PersonEntity: Name: NameFull: Yaniv Hanoch IsPartOfRelationships: – BibEntity: Dates: – D: 01 M: 07 Type: published Y: 2017 Identifiers: – Type: issn-print Value: 20454015 Numbering: – Type: volume Value: 6 – Type: issue Value: 1 Titles: – TitleFull: Israel Journal of Health Policy Research Type: main
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