title: Choosing among employer-sponsored health plans: what drives employee choices?
abstract: OBJECTIVE
  To probe employee basis for choosing health plans.
  
  
  METHODS
  In a Web study, 337 employees from large private and public employers were asked to choose among health plans varying on several common dimensions.
  
  
  RESULTS
  On per-dollar basis, respondents were more willing to spend $3 to $4 on out-of-pocket copayments than $1 on premiums. Nevertheless, sensitivity to monthly premium is greatest among those who are younger and cover only themselves, whereas sensitivity to the annual deductible is greatest among nonwhite families.
  
  
  CONCLUSIONS
  Employees are facing a complicated choice and might be well-served by more information about the value of options under different likelihood scenarios.
authors.affiliation: Department of Marketing, A.B. Freeman School of Business, Tulane University, New Orleans, LA, USA.
authors.forename: Janet
authors.initials: J
authors.lastname: Schwartz
authors.forename: Nortin M
authors.initials: NM
authors.lastname: Hadler
authors.forename: Dan
authors.initials: D
authors.lastname: Ariely
authors.forename: Joel C
authors.initials: JC
authors.lastname: Huber
authors.forename: Thomas
authors.initials: T
authors.lastname: Emerick
mesh_terms: D000328:Adult; D002755:Choice Behavior; D003669:Deductibles and Coinsurance; D005260:Female; D006264:Health Benefit Plans, Employee / Q000191:economics / Q000458:organization & administration; D006801:Humans; D016015:Logistic Models; D008297:Male; D008875:Middle Aged; D009657:North Carolina