We used to hear “no one shops for health care.” But we know that not to be true;here’s a blog post I wrote about how people are doing just that.
So, now that we know they do shop, do they do it well? That’s a good question too.
A recent study from some Berkeley economists found that people on high deductible plans don’t shop well. Sarah Kliff, writing about it in Vox, says the study “shows that when faced with a higher deductible, patients did not price shop for a better deal. Instead, both healthy and sick patients simply used way less health care.”
I read the paper, by Zarek C. Brot-Goldberg, Amitabh Chandra, Benjamin R. Handel and Jonathan T. Kolstad, and had some questions and thoughts: First, the company studied has relatively well-paid workers — “employees at the firm are relatively high income (median income $125,000-$150,000),” we are told. Higher income=Less price sensitivity.
Also, we know women shop more for health care and men shop less; women make 80 to 90 percent of the health care decisions in the U.S., and they are deeply in touch with this issue, while men aren’t. I did not see a gender breakdown in the methodology. So I wonder: Men or women?
Also, we learn that workers got tools to use to assess care, but we don’t see those tools — and believe me, I have seen some terrible ones. For example, here’s a post from one of our partners, Elana Gordon at WHYY public radio in Philadelphia, about how bad one insurer’s tools were for one couple.
Also, we don’t know what kind of education on their new system the workers got, so it’s a little bit murky (though the original study is incredibly long).