Healthcare.gov 3.0-Behavioral Economics and Insurance Exchanges

摘要

One component of the Affordable Care Act (ACA) was to create an individual market for health insurance plans. The majority of these plans are offered as part of health insurance exchanges and purchased via Web sites. When designing health insurance exchange Web sites, states should be mindful of the effects of language, layout, organization, and other display details on consumers' ability to choose the plan that best suited them. The authors of this article conducted various tests to determine how certain design and language factors changed the way people selected health care plans.