Quality and Consumer Decision Making in the Market for Health Insurance and Health Care Services

@article{Kolstad2009QualityAC,
  title={Quality and Consumer Decision Making in the Market for Health Insurance and Health Care Services},
  author={Jonathan T. Kolstad and Michael E Chernew},
  journal={Medical Care Research and Review},
  year={2009},
  volume={66},
  pages={28S - 52S}
}
This article reviews the literature relating quality to consumer choice of health plan or health care provider. Evidence suggests that consumers tend to choose better performing health plans and providers and are responsive to initiatives that provide quality information. The response to quality and quality information differs significantly among consumers and across population subgroups. As such the effect of quality information on choice is apparent in only a relatively small, though perhaps… 

The Effect of Public and Private Quality Information on Consumer Choice in Health Care Markets

It is found that market-based mechanisms impact patient response to quality prior to the release of report cards and after public release of information, the response to surgeon quality increases significantly, however, existing U.S. News and World Report rankings reduce consumer response to surgeons quality.

Consumer-oriented health care reform strategies: a review of the evidence on managed competition and consumer-directed health insurance.

The experiences of employers that have adopted key elements of managed competition are generally consistent with the key hypotheses underlying that strategy, and the main hypothesis regarding consumer-directed health plans is that they result in lower medical spending than do more generous plans.

Consumer Decisionmaking in the Health Care Marketplace

To understand how consumers make decisions and the extent to which various factors can hinder decisionmaking, RAND researchers reviewed the literature on health insurance choice and on designing

How Health Plan Enrollees Value Prices Relative to Supplemental Benefits and Service Quality

It is suggested that, compared to prices, health plan service quality and supplemental benefits play a minor role in making a health plan choice.

Modeling the Impact of Health Care Reform on Consumers

This paper studies the impact of the Health Insurance Marketplace (the Marketplace) on consumers. The aim is to study the motivation behind the consumer choice and the roles that insurers and

Switching Health Insurance Plans: Results from a Health Survey

There is little evidence that consumers switch plans on the basis of critical reflection and assessment of information about quality and price, but confidence in purchasing groups may be more important for health insurance choice than health informatics.

The Role of Prices Relative to Supplemental Benefits and Service Quality in Health Plan Choice

It is shown that although heavy federal regulation ensures a simple choice architecture, the majority of health plans are dominated—even when considering four nonprice attributes.

Switching health insurers: the role of price, quality and consumer information search

It is found that switching propensities depend on health plan price and quality, and on people’s age, health, education and having supplementary or group insurance.

How much segmentation is needed in the health care marketplace? An exploratory study of HMO and non-HMO customers

A survey of more than 1,000 HMO and non-HMO customers found significant differences with respect to their selection processes for health plans and providers, and their expectations regarding access to and communication with health care providers.
...

References

SHOWING 1-10 OF 78 REFERENCES

Quality information and consumer health plan choices.

  • N. Beaulieu
  • Business, Medicine
    Journal of health economics
  • 2002

Consumer health plan choice: current knowledge and future directions.

Today's environment of health plan choice requires better understanding of how plan attributes other than price influence plan choice, how other variables such as health status interact with plan attributes in the decision making process, and how specific populations differ from one another in terms of the sensitivity of their health plan choices to these different types of variables.

Can high quality overcome consumer resistance to restricted provider access? Evidence from a health plan choice experiment.

  • K. Harris
  • Business, Medicine
    Health services research
  • 2002
The results of this study suggest that in many cases, the level of quality required for consumers to accept access restrictions may be so high as to be unattainable, and provide empirical evidence that consumers are willing to trade high quality for restrictions on provider access.

What Type of Quality Information do Consumers Want in a Health Care Report Card?

The findings show that consumers have a high interest in quality information and there is a stated preference for quality indicators that reveal how well the plans perform on preventive care and on consumer satisfaction.

What do Consumers Want and Need to Know in Making Health Care Choices?

It is concluded that assuming a rational consumer does not account for choice among options in the increasingly complex health care context facing consumers today.

Informing consumer decisions in health care: implications from decision-making research.

Studies of human judgment and decision making are reviewed, as are their implications for devising strategies to inform consumers about performance information in making choices.

Using Quality Information for HealthCare Decisions and Quality Improvement

This report reviews research on incentives for and barriers to quality reporting, and takes stock of what CAHPS has accomplished to date, noting that it has made a standardized instrument available for assessing consumer experiences with health care, and that consumers, purchasers, and health plans find the information it generates useful.

Choosing a health plan: what information will consumers use?

Examination of employees' interest in standardized measures of plan performance in Massachusetts shows that cost and benefit information receive high rankings, but certain plan performance information does not.

Choosing a health plan: do large employers use the data?

It is suggested that purchasers are not always aware of clinical outcomes data and that measures do not meet their decision-making needs, and the variety and amount of performance information used for purchasing decisions is a barrier to effective decision making.

Quality and employers' choice of health plans.

...