Out-of-Pocket Costs and the Flexible Benefits Decision: Do Employees Make Effective Health Care Choices?

摘要: This study analyzes employees' ability to select health insurance benefits that fit their needs.The both the actual choices and implications of those for employees, measured as out-of-pocket costs (OPC). By introducing OPC a measure decision quality, this demonstrates its advantages over measuring only employee choice. Results from sample manufacturing employees suggest most made cost-optimizing decisions, out-performing recommendations linear model. Employees also were financially better off overall with choice than they would have been had all placed into either medical plan option available them. supports value choice, but does not support assertion always make decisions best needs.