People with private health insurance must have sufficient literacy skills to understand when, where, and how to access health services and avoid costly errors caused by using plan benefits incorrectly. Without adequate health insurance literacy (HIL), people can experience administrative hassles, delays in care, denials of coverage, and receive unexpected medical bills. Presently there is no information about the HIL of Connecticut citizens enrolled in private health insurance plans.
2019 HIL Pilot Report
In response to the findings from the 2016 report, HDI, in collaboration with members of the Equal Coverage to Care Coalition (EC2C), developed and tested an educational program in English and Spanish aimed at improving understanding insurance terminology and concepts among people of color.
The program was implemented by five EC2C organizations* working in different communities throughout Connecticut. A total of 477 residents, 94% identifying themselves as a racial or ethnic minority participated in the pilot.
The current HIL program partially met consumer education needs but navigation support needs further development. The program contents, delivery and frequency of the Equal Coverage to Care Coalition HIL program needs to be expanded to address Medicaid and Medicare issues.
2016 HIL Survey Report
This report presents results from a 2016 survey measuring the HIL of 516 adult Connecticut residents enrolled in a qualified health plan (QHP) through Access Health CT.
The survey shows that some QHP enrollees struggle to understand basic health insurance terminology and how to use their benefits correctly. People with lower educational levels have lower HIL skills; however, when we compared the HIL in people with the same educational level, we found significant differences by race, ethnicity and language preference with Black and Hispanic enrollees having more difficulty than Whites. As more people enroll in private health insurance, widely disparate HIL should be viewed as a previously underappreciated but remediable source of healthcare disparity.
Developing solutions will require a coordinated state-wide strategy that should include insurance carriers, Access Health Connecticut, academia, providers, the state and community organizations. In the short run, HIL education and outreach programs must be deployed and tested to assess their effectiveness. Resources should focus first on decreasing the current racial/ethnic gap. Complementary strategies should include more and better in-person consumer support through trained “insurance coaches”. In the long run access to simpler, more consumer-friendly health insurance plans could have the greatest impact in promoting health equity and enhancing the value of health insurance for all Connecticut citizens.