Knowledge of health insurance terminology and details among the uninsured

Mary C. Politi, Kimberly A. Kaphingst, Matthew Kreuter, Enbal Shacham, Melissa C. Lovell, Timothy McBride

Research output: Contribution to journalArticle

23 Scopus citations

Abstract

By 2014, uninsured adults will be eligible for health insurance through exchanges with multiple plan options. Choosing health insurance is challenging even for those who have engaged in the process previously. We examined 51 uninsured adults' health insurance knowledge and preferences through semistructured qualitative interviews. Our sample was predominantly low-income and African American. Most had little or no experience with health insurance terminology. Those with limited health literacy skills understood less than those with higher health literacy. Many confused related insurance concepts. Non-health contexts (e.g., car insurance) aided understanding. Premiums, fixed costs, and specific coverage were rated very important to insurance decisions. Our study was one of the first to examine uninsured individuals' health insurance knowledge and preferences. Uninsured individuals may have different information needs and preferences than those studied in previous research. Clear information and familiar non-health contexts can be important strategies when communicating about the exchanges.

Original languageEnglish
Pages (from-to)85-98
Number of pages14
JournalMedical Care Research and Review
Volume71
Issue number1
DOIs
StatePublished - Jan 14 2014

Keywords

  • decision making
  • health communication
  • health insurance
  • health literacy

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