{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,8,3]],"date-time":"2026-08-03T18:45:28Z","timestamp":1785782728722,"version":"3.56.0"},"reference-count":8,"publisher":"Oxford University Press (OUP)","issue":"8","license":[{"start":{"date-parts":[[2026,7,24]],"date-time":"2026-07-24T00:00:00Z","timestamp":1784851200000},"content-version":"vor","delay-in-days":0,"URL":"https:\/\/creativecommons.org\/licenses\/by\/4.0\/"}],"content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":[],"published-print":{"date-parts":[[2026,8,3]]},"abstract":"<jats:title>Abstract<\/jats:title>\n                  <jats:p>Patients are confronted with an overwhelming number of choices when enrolling in health insurance plans, with marketplace enrollees often having over 100 plan options and Medicare Advantage enrollees having on average 42 plan options. This can fuel confusion, administrative burden, and suboptimal plan selection, which in turn can be costly to the patient, who may face greater cost sharing and thus reduce even necessary health care utilization. This is particularly troubling because most Americans experience low levels of health insurance literacy as well as limited numeracy, making it especially challenging to adjudicate among plan options in this setting of health insurance complexity. Accurately discerning optimal plan choice is especially critical given America's notably high health care costs. While there are a growing number of navigator tools, including through the use of artificial intelligence, they tend to suffer from poor take-up and\/or efficacy. Existing funding streams prioritize the assessment of the performance of existing interventions, but patients' challenges navigating health plan selection highlight the need to support research to both design and test new interventions to promote health insurance literacy and, in turn, access to necessary medical care.<\/jats:p>","DOI":"10.1093\/haschl\/qxag191","type":"journal-article","created":{"date-parts":[[2026,7,22]],"date-time":"2026-07-22T11:58:35Z","timestamp":1784721515000},"source":"Crossref","is-referenced-by-count":0,"title":["Optimizing consumer choice in selection of health insurance"],"prefix":"10.1093","volume":"4","author":[{"ORCID":"https:\/\/orcid.org\/0000-0002-4971-224X","authenticated-orcid":false,"given":"Miranda","family":"Yaver","sequence":"first","affiliation":[{"name":"Department of Health Policy and Management, University of Pittsburgh , Pittsburgh, PA 15222 ,","place":["United States"]}],"role":[{"vocabulary":"crossref","role":"author"}]},{"ORCID":"https:\/\/orcid.org\/0000-0003-4524-2479","authenticated-orcid":false,"given":"David M","family":"Anderson","sequence":"additional","affiliation":[{"name":"Department of Health Services Policy Management, University of South Carolina , Columbia, SC 29208 ,","place":["United States"]}],"role":[{"vocabulary":"crossref","role":"author"}]},{"ORCID":"https:\/\/orcid.org\/0000-0002-3548-2332","authenticated-orcid":false,"given":"Risha","family":"Gidwani","sequence":"additional","affiliation":[{"name":"Division of Health Care Policy and Research, University of Colorado School of Medicine , Aurora, CO 80045 ,","place":["United States"]},{"name":"Department of Health Systems, Management and Policy, Colorado School of Public Health , Aurora, CO 80045 ,","place":["United States"]},{"name":"RAND , Santa Monica, CA 90401 ,","place":["United States"]},{"name":"Department of Health Policy and Management, UCLA Fielding School of Public Health , Los Angeles, CA 90095 ,","place":["United States"]}],"role":[{"vocabulary":"crossref","role":"author"}]}],"member":"286","published-online":{"date-parts":[[2026,7,24]]},"reference":[{"issue":"1","key":"2026080314025550100_qxag191-B1","doi-asserted-by":"publisher","first-page":"277","DOI":"10.1257\/pol.20190312","article-title":"Dominated options in health insurance plans","volume":"14","author":"Liu","year":"2022","journal-title":"Am Econ J Econ Policy"},{"key":"2026080314025550100_qxag191-B2","doi-asserted-by":"publisher","author":"Chernew","DOI":"10.3386\/w24869"},{"issue":"sup2","key":"2026080314025550100_qxag191-B3","doi-asserted-by":"publisher","first-page":"225","DOI":"10.1080\/10810730.2014.936568","article-title":"Development of the Health Insurance Literacy Measure (HILM): conceptualizing and measuring consumer ability to choose and use private health insurance","volume":"19","author":"Paez","year":"2014","journal-title":"J Health Commun"},{"key":"2026080314025550100_qxag191-B4","author":"National Center for Education Statistics, Institute of Education Sciences"},{"issue":"7","key":"2026080314025550100_qxag191-B5","doi-asserted-by":"publisher","DOI":"10.1001\/jamanetworkopen.2018.4796","article-title":"Association between health insurance literacy and avoidance of health care services owing to cost","volume":"1","author":"Tipirneni","year":"2018","journal-title":"JAMA Netw Open"},{"issue":"3","key":"2026080314025550100_qxag191-B6","doi-asserted-by":"publisher","first-page":"120","DOI":"10.1097\/MLR.0000000000002280","article-title":"The unaffordability of Affordable Care Act health insurance plans","volume":"64","author":"Gidwani","year":"2026","journal-title":"Med Care"},{"issue":"4","key":"2026080314025550100_qxag191-B7","doi-asserted-by":"publisher","first-page":"1180","DOI":"10.1257\/aer.101.4.1180","article-title":"Choice inconsistencies among the elderly: evidence from plan choice in the Medicare Part D program","volume":"101","author":"Abaluck","year":"2011","journal-title":"Am Econ Rev"},{"issue":"4","key":"2026080314025550100_qxag191-B8","doi-asserted-by":"publisher","first-page":"477","DOI":"10.1086\/721569","article-title":"Information gaps and health insurance enrollment: evidence from the Affordable Care Act navigator programs","volume":"8","author":"Myerson","year":"2022","journal-title":"Am J Health Econ"}],"container-title":["Health Affairs Scholar"],"original-title":[],"language":"en","link":[{"URL":"https:\/\/academic.oup.com\/healthaffairsscholar\/advance-article-pdf\/doi\/10.1093\/haschl\/qxag191\/69932944\/qxag191.pdf","content-type":"application\/pdf","content-version":"am","intended-application":"syndication"},{"URL":"https:\/\/academic.oup.com\/healthaffairsscholar\/article-pdf\/4\/8\/qxag191\/69932944\/qxag191.pdf","content-type":"application\/pdf","content-version":"vor","intended-application":"syndication"},{"URL":"https:\/\/academic.oup.com\/healthaffairsscholar\/article-pdf\/4\/8\/qxag191\/69932944\/qxag191.pdf","content-type":"unspecified","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2026,8,3]],"date-time":"2026-08-03T18:03:02Z","timestamp":1785780182000},"score":1,"resource":{"primary":{"URL":"https:\/\/academic.oup.com\/healthaffairsscholar\/article\/doi\/10.1093\/haschl\/qxag191\/8741236"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2026,7,24]]},"references-count":8,"journal-issue":{"issue":"8","published-print":{"date-parts":[[2026,8,3]]}},"URL":"https:\/\/doi.org\/10.1093\/haschl\/qxag191","relation":{},"ISSN":["2976-5390"],"issn-type":[{"value":"2976-5390","type":"electronic"}],"subject":[],"published-other":{"date-parts":[[2026,8]]},"published":{"date-parts":[[2026,7,24]]},"article-number":"qxag191"}}