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Regret in health insurance post-purchase behavior

机译：对健康保险的购买后行为感到遗憾

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摘要

Unlike other forms of insurance, individuals with health insurance generally expect to make claims through the policy period. Selecting an appropriate level of cost-sharing is difficult and individuals may, ex-post, regret the choice of a less-than-suitable coverage amount. Using a national health insurance survey of private market consumers from 2013 to 2017, we evaluate the potential for post-purchase regret in the health plan purchasing decision. We employ an ordered logistic model and find that consumers whose plan choices were likely financially dominated by a foregone alternative are significantly more likely to express regret through reporting significantly lower likelihood of renewal, even when controlling for confounding considerations including affordability, self-assessed risk, and satisfaction with the plan.
机译：与其他形式的保险不同，拥有健康保险的个人通常希望在整个保单期内提出索赔。选择适当的成本分摊水平很困难，而且事后，个人可能会后悔选择了一个不太合适的保险金额。使用2013年至2017年针对私人市场消费者的全国健康保险调查，我们评估了健康计划购买决定中购买后遗憾的可能性。我们采用了有序的物流模型，发现那些计划选择可能在财务上已被放弃的选择所主导的消费者，即使报告控制了可负担性，自我评估的风险，并对该计划感到满意。

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  • 来源
    《Risk management and insurance review》 |2019年第2期|207-219|共13页
  • 作者

    Patricia H. Born; E. Tice Sirmans;

  • 作者单位

    Midyette Eminent Scholar in Risk Management and Insurance, Department of Real Estate and Legal Studies, Dr. William T. Hold/The National Alliance Program in Risk Management and Insurance, Department of Risk Management/Insurance, College of Business, Florida State University, Tallahassee, Florida;

    Department of Finance, Insurance, and Law, College of Business, Illinois State University, Normal, Illinois;

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  • 正文语种 eng
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  • 关键词

    disappointment; health insurance; regret theory;

    机译：失望;健康保险;遗憾的理论;

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