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Empowering the Consumer as the Ultimate Health Care Stakeholder


Friday, July 24, 2015

This briefing, the second in a three-part series on the role of consumers and patients in our health care system, discussed the role of consumers in today’s health care coverage market, exploring questions such as: How is the evolving insurance marketplace affecting the choices consumers have when selecting a health plan, whether through a health insurance exchange, employer, or other mechanism? What information do consumers need to select a plan that is right for them? Are consumers well informed regarding health insurance matters, and do they know how to make use of their coverage once they have it?

Panelist interview videos on the consumer experience.

KEY BRIEFING POINTS
If you were unable to attend the briefing, here are some key takeaways:

Rebecca Burkholder, vice president of health policy, National Consumers League
According to the National Center for Education Statistics Study, only 12% of individuals had proficient health literacy, said Rebecca Burkholder. Both publicly insured and uninsured adults, as well has those living below the poverty line, had lower health literacy skills, indicating that people who need coverage the most, understand it the least, she added.

Natalie Schneider, vice president of consumer experience, Anthem, Inc.
The retail market will grow to 87 million customers by 2018, Natalie Schneider stated. Recent trends have shown that there is a move towards narrow networks, high deductible health plans, healthcare innovations, and skyrocketing consumer expectations about personalization.

JoAnn Volk, senior research fellow and project director, Georgetown University Center on Health Insurance Reforms
The summary of benefits and coverage allows for plan comparisons and greater understanding. However, many consumers have trouble understanding their deductible, including what services they might get prior to the deductible and how the deductible was applied, said JoAnn Volk.

Joel White, president, Council for Affordable Health Coverage and the Clear Choices Campaign
In 2002, 18 percent of total family income was spent on health care; by 2030, if current trends continue, that number will grow to 60 percent, Joel White stated. There is a need for better data, better tools and better markets because data dumping without context leads to confusion, he continued.

Ed Howard of the Alliance for Health Reform will moderate the discussion.

Follow the briefing on Twitter: #ConsumerHealth

Contact: Sarah Dash SarahDash@allhealth.org (202)789-2300

The briefing was supported by Anthem, Inc., in partnership with the National Consumers League.

Speakers

 Rebecca Burkholder, vice president of health policy, National Consumers League, Speaker
 Natalie Schneider, vice president of consumer experience, Anthem, Inc., Speaker
 JoAnn Volk, Georgetown University Center on Health Insurance Reforms, Speaker
 Joel White, president, Council for Affordable Health Coverage and the Clear Choices Campaign, Speaker
(Click on the camera icon to see a video of the speaker's presentation.)

Transcript, Event Summary and/or Webcast and Podcast

Transcript: Full Transcript (Adobe Acrobat PDF), 7/24/2015
Full Webcast/Podcast: Full Video

Speaker Presentations

Rebecca Burkholder Presentation (Adobe Acrobat PDF), 7/24/2015
Natalie Schneider Presentation (Adobe Acrobat PDF), 7/24/2015
JoAnn Volk Presentation (Adobe Acrobat PDF), 7/24/2015
Joel White Presentation (Adobe Acrobat PDF), 7/24/2015

(If you want to download one or more slides from these presentations, contact us at info@allhealth or click here for instructions.)

Source Materials

Agenda (Adobe Acrobat PDF), , 7/24/2015
Speaker Biographies (Adobe Acrobat PDF), , 7/24/2015
Selected Experts (Adobe Acrobat PDF), , 7/24/2015
Materials List (Adobe Acrobat PDF), , 7/24/2015

Offsite Materials (briefing documents saved on other websites)

Changes to the Affordable Care Act’s Health Plan Summaries—and More to Come, CHIR Blog, 6/22/2015
Choice Architecture: Design Decisions That Affect Consumers’ Health Plan Choices, Health Affairs Blog, 7/13/2015
Choosing a Health Plan is Hard, Even for a Health Economist, New York Times, 10/24/2014
‘Consumer-Driven’ Health Plans Are Pushing Prices Up, Newsweek, 5/21/2015
Glossary of Health Coverage and Medical Terms (Adobe Acrobat PDF),Department of Labor, 1/1/2015
Promoting Transparency and Clear Choices In Health Care, Health Affairs Blog, 6/9/2015
Quick Take: Health Literacy and ACA Enrollment, Rand Corporation, 11/7/2013
Supporting Informed Decision-Making in the Health Insurance Marketplace (Adobe Acrobat PDF),National Partnership for Women & Families, 2/1/2015
The Promise of Consumer-Directed Health Plans: Studies Show Success at Reducing Costs and Maintaining Quality (Adobe Acrobat PDF),The Heritage Foundation, 7/9/2012
Ways to Help Consumers Apply & Enroll In Health Coverage Through the Marketplace (Adobe Acrobat PDF),Centers for Medicare and Medicaid Services, 6/1/2014
2015 Obamacare Deductibles Remain High But Don’t Grow Beyond 2014 Levels, HealthPocket, 11/20/2014
Americans’ Experiences with Marketplaces and Medicaid Coverage: Findings from the Commonwealth Fund Affordable Care Act Tracking Survey, March-May 2015, The Commonwealth Fund, 6/12/2015
Assessing Americans’ Familiarity With Health Insurance Terms and Concepts, The Kaiser Family Foundation, 11/11/2014
Balance Billing: How Are States Protecting Consumers from Unexpected Charges?, Georgetown University Center on Health Insurance Reforms, 6/1/2015
Before and After the Affordable Care Act: Consumers’ Coverage Experience Through the Eyes of State Consumer Assistance Programs, Georgetown University Center on Health Insurance Reforms, 4/1/2015
Clear Choices: A Movement For Informed Health Care (Adobe Acrobat PDF),Clear Choice Campaign, 1/1/2015
Connecting Consumers to Coverage: Lessons Learned from Assisters for Successful Outreach and Enrollment, Kaiser Family Foundation, 9/1/2014
Consumer Assistance in Health Reform (Adobe Acrobat PDF),Kaiser Family Foundation, 4/1/2013
Financial Literacy and Consumer Choice of Health Insurance: Evidence from Low-Income Populations in the United States (Adobe Acrobat PDF),Rand Corporation, 9/1/2013
Health Literacy and Health Insurance Literacy: Do Consumers Know What They Are Buying? (Adobe Acrobat PDF),Alliance for Health Reform, 1/22/2015
Health Plan Comparison Tool in Exchanges: Helping Consumers and Employers Make the Best Choices (Adobe Acrobat PDF),Consumers’ Checkbook, 1/1/2014
“Implementing the Affordable Care Act: State Action on Quality Improvement in State-Based Marketplaces (Adobe Acrobat PDF),The Commonwealth Fund, 7/1/2014
Key Facts You Need to Know About: Cost-Sharing Reductions (Adobe Acrobat PDF),Center on Budget and Policy Priorities, 9/1/2014
Lessons from the Frontlines: Strategies for Supporting Informed Consumer Decision-Making in the Health Insurance Marketplace.” (Adobe Acrobat PDF),National Partnership for Women & Families, 6/1/2015
New Georgetown Report on State Approaches to Protecting Consumers from the Unexpected Charges of Balance Billing, Georgetown University Health Policy Institute, 6/15/2015
Report from the First Year of Navigator Technical Assistance Project: Lessons Learned and Recommendations for the Next Year of Enrollment, Georgetown University Center on Health Insurance Reforms, 10/1/2014
The Problem of Underinsurance and How Rising Deductibles Will Make It Worse: Findings from the Commonwealth Fund Biennial Health Insurance Survey, 2014 (Adobe Acrobat PDF),The Commonwealth Fund, 5/1/2015
What States Are Doing to Simplify Health Plan Choice in the Insurance Marketplaces (Adobe Acrobat PDF),The Commonwealth Fund, 12/1/2013

Photos


According to the National Center for Education Statistics Study, only 12% of individuals had proficient health literacy, Rebecca Burkholder, vice president of health policy, National Consumers League, stated at a July 24 Alliance briefing, “Empowering the Consumer as the Ultimate Health Care Stakeholder.” Both publicly insured and uninsured adults, as well has those living below the poverty line, had lower health literacy skills indicating that people who need coverage the most, understand it the least, she added.

Panelists from our event on July 24, “Empowering the Consumer as the Ultimate Health Care Stakeholder,” discuss challenges and changes that will impact the consumer experience on the health insurance marketplace.

 

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