#NBPP2024 intends to reduce choice overload possibilities by either making meaningful difference both meaningful and different or using a Standard + 2 choice structure
https://balloon-juice.com/2022/12/13/reducing-choice-overload-on-healthcare-gov/
I'm not sure which one I think is better, but anything that reduces the probability that people face 200+ choices is likely an empirical improvement.
@charlesgaba @LouiseNorris @AndrewSprung @cynthiaccox @onceupona
@bjdickmayhew @charlesgaba @LouiseNorris @AndrewSprung @cynthiaccox @onceupona
I’d favor limiting it to 2 if I had to choose between these two options. Their deductible method seems silly and easily subject to gaming especially on silver plans where you could make the base have a deductible diff but then just spam the variants. Or maybe just have CMS call Sarah London and tell her to knock it off.
@wsanders @bjdickmayhew @LouiseNorris @AndrewSprung @cynthiaccox @onceupona Stupid question: Are HMOs, PPOs and EPOs the only network types recognized for this sort of thing? If so, it sounds like that would mean a maximum of 24 plans per carrier per county (2 plans x 3 networks x 4 metal levels)? Or am I missing something?
@charlesgaba @wsanders @LouiseNorris @AndrewSprung @cynthiaccox @onceupona
PPO, HMO, EPO, POS are all plan types, and then networks can be skinny, average, and big --- plus Catastrophic, Bronze, Expanded Bronze, Silver, Gold, Platinum ----
so max 72
@bjdickmayhew @wsanders @LouiseNorris @AndrewSprung @cynthiaccox @onceupona Good grief. That kind of defeats the point, doesn’t it? Sounds like the $1K deductible gap is the way to go?
I guess the better question is “how many policies do they want a single carrier to be able to offer?"
@bjdickmayhew @charlesgaba @wsanders @LouiseNorris @cynthiaccox @onceupona But how plausible is it that one insurer will field all those networks? It doesn't seem likely to me, and if more insurers were moved to differentiate themselves by providing PPOs, or networks less restrictive than at present, couldn't that be a good thing? My impression was that these possible plan proliferations were mostly theoretical and spamming would indeed go way down.
@bjdickmayhew @charlesgaba @wsanders @LouiseNorris @cynthiaccox @onceupona In other news, we're doing this here and not on Twitter? Has that been happening?
@AndrewSprung @charlesgaba @wsanders @LouiseNorris @cynthiaccox @onceupona I'm trying to move off of Twitter gradually (and likely all of a sudden, suddenly)
@bjdickmayhew @AndrewSprung @wsanders @LouiseNorris @cynthiaccox @onceupona Around 50 of my total followers at Twitter have been deleting their accounts (not just unfollowing me) every day since Musk took over. At that pace they’ll all be gone by around September 2025.
@bjdickmayhew @charlesgaba @wsanders @LouiseNorris @cynthiaccox @onceupona That's been my thought too -- stay on until one of the alternatives achieves critical mass. Gradually then suddenly -- same internal mantra.
@charlesgaba @wsanders @LouiseNorris @AndrewSprung @cynthiaccox @onceupona
On Healthcare.gov not by year
@bjdickmayhew @charlesgaba @wsanders @LouiseNorris @cynthiaccox @onceupona Are EPO networks any broader on average than HMOs?
@AndrewSprung @bjdickmayhew @charlesgaba @wsanders @cynthiaccox @onceupona Not in our experience. It just depends on the carrier. In some areas, an HMO plan has a bigger network, and in other areas the larger network plan is an EPO.