How product standardization affects choice: Evidence from the Massachusetts Health Insurance Exchange
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چکیده
منابع مشابه
How product standardization affects choice: Evidence from the Massachusetts Health Insurance Exchange.
This paper examines the effect of choice architecture on Massachusetts' Health Insurance Exchange. A policy change standardized cost-sharing parameters of plans across insurers and altered information presentation. Post-change, consumers chose more generous plans and different brands, but were not more price-sensitive. We use a discrete choice model that allows the policy to affect how attribut...
متن کاملNber Working Paper Series How Product Standardization Affects Choice: Evidence from the Massachusetts Health Insurance Exchange
Standardization of complex products is touted as improving consumer decisions and intensifying price competition, but evidence on standardization is limited. We examine a natural experiment: the standardization of health insurance plans on the Massachusetts Health Insurance Exchange. Prestandardization, firms had wide latitude to design plans. A regulatory change then required firms to standard...
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As health insurance becomes available outside of the employment relationship as a result of the Affordable Care Act (ACA), the cost of applying for Social Security Disability Insurance (SSDI)—potentially going without health insurance coverage during a waiting period totaling 29 months from disability onset—will decline for many people with employer-sponsored health insurance. At the same time,...
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This paper analyzes the income manipulation to thresholds in eligibility for a subsidized program in the Massachusetts health insurance reform, the statelevel precursor to federal health care reform. Using data from the American Community Survey, I test for the existence of income manipulation and nd clear evidence around the thresholds of 150 percent and 300 percent of Federal Poverty Level. T...
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ژورنال
عنوان ژورنال: Journal of Health Economics
سال: 2016
ISSN: 0167-6296
DOI: 10.1016/j.jhealeco.2016.09.005