The Value Employees Place on Health Insurance Plans: A Discrete-Choice Experiment

Stephen Poteet () and Benjamin M. Craig ()
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Stephen Poteet: University of South Florida
Benjamin M. Craig: University of South Florida

Applied Health Economics and Health Policy, 2019, vol. 17, issue 6, No 7, 817-825

Abstract: Abstract Background The federally-facilitated Health Insurance Marketplace—also known as the Health Insurance Exchange—was designed as a tool to help people purchase insurance plans, yet many Americans remain uninsured, partially due to rising premiums. One possible strategy to stabilize its premiums is to encourage healthier people to purchase their plans through the Marketplace instead of through their employers. Objective This study examined the values that single adults with employer-based coverage place on health insurance plan attributes using a discrete-choice experiment (DCE). Methods As part of an online survey, each respondent completed 28 paired comparisons trading off four attributes: source of coverage, plan type, monthly out-of-pocket premium, and quality of coverage. Results Based on our results (N = 2207), single employees slightly preferred their employer over the Marketplace as a source of coverage (0.726 odds ratio; p value

Date: 2019
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DOI: 10.1007/s40258-019-00507-1

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