Exhibit 2:

Plan characteristics considered and information used by health insurance plan enrollees in decision making, by Marketplace enrollment, chronic conditions, and health insurance literacy

	Marketplace enrollment		In family with chronic condition		Health insurance literacy tertile
	No	Yes	No	Yes	Top	Bottom
Considered when choosing plana
Premium	91%	89%	91%	88%	89%	90%
Deductible	74	75	73	77	78**	70
Copayments	58	58	56**	63	58	54
Overall affordability	73	78	75	77	78	75
Coverage of specific doctor or hospital	59	60	56***	67	63	59
Number of doctors and hospitals in network	29***	18	22	24	26	22
Coverage of specific medications	22	24	17***	36	23	22
Plan quality ratings	11	10	10	11	12	10
Out-of-pocket spending maximum	54	50	52	53	54	47
Plan reputation	21	16	18	19	21	17
Prior experience with the plan or carrier	27	22	22**	29	27	23
Recommendations from friends or family	8	10	10	7	7	9
Only considered plans that included a specific doctor or hospital	54	54	49***	63	55	52
Premium was most important consideration	43	38	44***	33	38	43
When choosing plan, used information from:a
Estimate of total yearly costs	46	41	43	44	48**	39
Provider finder	45	44	42**	49	48	40
Network size	18**	11	15	13	15	15
Prescription drug finder	17	18	13***	28	19	15
Plan quality ratings	12	9	11	9	14	9
None of the above	30	32	32	29	27**	35

SOURCE Authors’ analysis of data from a survey of enrollees in individual market health insurance plans offered by Harvard Pilgrim Health Care in New Hampshire and Maine in 2017. NOTES The percentages reflect model-adjusted predicted probabilities when sociodemographic and other population characteristics were controlled for (including Marketplace enrollment, chronic condition, and health insurance literacy), weighted using inverse probability weights to account for sampling design and subject-level nonresponse.

^aRespondents were asked to select all responses that applied. Significance was <<determined by a Wald test.>>

^**p < 0.05

^***p < 0.01