Obamacare Forum on Facebook Obamacare Forum on Google Plus Obamacare Forum on Twitter Obamacare Forum on LinkedIn

Greetings Obamacare Debater

It looks like you're new here. If you want to get involved, click one of these buttons!

Sign In with Facebook Sign In with OpenID Sign In with Twitter

In this Discussion

ObamaCare Forums are non-partisan. Ask questions, find information, discuss & debate about the Affordable Care Act, and please remember to follow the forum rules. Please do not debate and provide opinions within discussions in the categories for facts. Thank you for helping to keep these forums informative and constructive.

ACA could save purchasers of policies and taxpayers approximately 10 billion dollars every year

edited August 2015 in Obamacare Debates and Opinions Posts: 47
See the attached study by the University of Pennsylvania titled: Can Consumers Make Affordable Care Affordable? The Value of Choice Architecture

Summary of Findings:

Starting this October, tens of millions will be choosing health coverage on a state or federal health insurance exchange as part of the Patient Protection and Affordable Care Act. We examine how well people make these choices, how well they think they do, and what can be done to improve these choices. We conducted 6 experiments asking people to choose the most cost-effective policy using websites modeled on current exchanges. Our results suggest there is significant room for improvement. Without interventions, respondents perform at near chance levels and show a significant bias, overweighting out-of-pocket expenses and deductibles.  Financial incentives do not improve performance, and decision-makers do not realize that they
are performing poorly. However, performance can be improved quite markedly by providing calculation aids, and by choosing a “smart” default. Implementing these psychologically-based principles could save purchasers of policies and taxpayers approximately 10 billion dollars every year.


  • Wow this is an amazing article. I do not think the findings are going to be totally accurate. I think the tax payers might be paying more, not saving because of the ACA.
  • The fact that there is the possible need for a "smart" default makes me sad... because I know that tere really is a need for it  lol
Sign In or Register to comment.