Exhibit 3:
Help with choice of a health plan received by health insurance plan enrollees, 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 | |
| Had help making decision | 61%*** | 44% | 52% | 50% | 49% | 55% |
| Helped by:a | ||||||
| Broker | 40*** | 23 | 32 | 29 | 31 | 35 |
| Family or friends | 18 | 16 | 16 | 18 | 13 | 17 |
| HealthCare.gov customer service representative | 3 | 5 | 5 | 4 | 4 | 5 |
| Navigator | 4 | 5 | 5 | 5 | 4 | 5 |
| Someone at doctor’s office or hospital | 3 | 1 | 2 | 1 | 0*** | 2 |
| Someone from the insurance company | 8*** | 1 | 2 | 4 | 3 | 3 |
| Other | 4 | 2 | 2 | 4 | 4 | 2 |
| Had no help | 39*** | 56 | 48 | 50 | 51 | 45 |
| Wished had had help | ||||||
| Yes | 9*** | 19 | 14 | 16 | 6*** | 23 |
| No | 29** | 36 | 33 | 33 | 45*** | 21 |
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 as explained in the notes to exhibit 2. Respondents were asked if they had help making their health plan decision and the sources of that help. Those who said that they did not receive help were asked if they wished they had had help. Percentages within a column indicate the proportion of total respondents within that column who gave the corresponding response.
Respondents were asked to select all responses that applied. Significance was <<determined by a Wald test.>>
p < 0.05
p < 0.01