Insurance Coverage & Costs
Access to Care
Uninsured and Low-Income
Racial/Ethnic Disparities
Safety Net Providers
Community Health Centers
Hospitals
Physicians
Insured People
Quality & Care Delivery
Health Care Markets
Issue Briefs
Data Bulletins
Research Briefs
Policy Analyses
Community Reports
Journal Articles
Other Publications
Surveys
Site Visits
Design and Methods
Data Files
|
||
| March 2000 Issue Brief No. 28 |
||
Who Has a Choice of Health Plans? Issue Brief No. 27 |
||
Why People Change Their Health Care Providers Data Bulletin No. 16 |
||
Patients Concerned About Insurer Influences Data Bulletin No. 17 |
||
Health Plan Switching:
Choice or Circumstance?
May/June 2000
Health Affairs, vol.19, no.3 (May/June 2000): 158-164
Peter J. Cunningham, Linda T. Kohn
hanging Health plans may be beneficial to the extent that it results from consumers’ decisions and preferences about what type of health plan best suits their health care needs. On the other hand, consumers today are not only choosing a plan to finance the use of services, but within that decision are also choosing a delivery system or network of providers. Therefore, changing health plans may lead to a change in physicians, which may prove harmful to continuity of care, access, and quality.
The extent to which changes in health plans are beneficial or potentially harmful depends on the answers to several key questions: How frequently are changes made, especially by vulnerable populations who are already at risk for problems with medical care access and quality? To what extent is changing plans voluntary (for example, consumers exercising choice) or involuntary (for example, forced changes by employers)? How often does changing health plans lead to a change in the place that persons usually receive medical care?
Previous studies have been limited to the experience of a single company, which makes it difficult to generalize to the privately insured population as a whole. Using data from the 1996-1997 Community Tracking Study (CTS) household survey, this study is among the first to examine consumers’ switching among private insurance plans nationwide.
Free access to this article is available at the Health Affairs Web site.
