New York Times Suggests Most People Won’t Shop Again For Health Insurance
With all of the concern out there about health insurance costs, you might think that most American healthcare consumers would be eager for the chance to revise their policies.
However, with policies nearly universally becoming more expensive in 2015, at least one trusted source has suggested that there will be no massive switch between policies in the coming year.
A December 11 article by The New York Times argues that the “auto renewals” built in to the Affordable Care Act’s exchanges will mean that most people don’t check out the exchanges again this year for a better deal.
There are several factors that might help to make this the case:
- Unpleasant memories of the difficulties that were involved in using the exchange before.
- What the author calls a “status quo bias” that makes it unlikely people will make changes.
- A feeling that there will be no better deals out there no matter what customers decide to do.
Although it’s understandable why someone would be pessimistic about getting a better deal in healthcare, it is still a good idea to take a look. Reviewing the new possibilities does not mean that one is committing to choosing a new plan.
Of course, getting a new health insurance plan is not the only option. Because of all the factors above and more, many people are seeking out alternatives that go beyond the exchanges.
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