Objectives: There is an ongoing policy discussion regarding an adequate breadth of provider networks. Health plans with "restricted networks" of providers have proved surprisingly popular on the Affordable Care Act health insurance exchanges because of a substantial gap in premiums between plans with open networks and closed networks. The objective of this paper is to assess which other attributes of the provider network matter to patients when choosing health insurance.
Study design: We used a discrete choice experiment to analyze the effect of previously unobserved characteristics regarding provider networks on plan choice, including wait time, breadth, travel time, whether the plan covers care for their personal doctor, and monthly premium. Hypothetical plan options were offered to respondents of an online survey using Qualtrics software.
Methods: We used mixed multinomial logit models to estimate preference-based utilities for attributes of primary care provider networks and willingness to pay.
Results: Coverage of a personal doctor was the most important attribute, followed by premium, wait time to see a primary care provider, the breadth of the network, and travel time to the closest doctor covered by the plan. Respondents were willing to pay $95 per month to have a plan that covers care for their personal doctor, and they were willing to wait 6 days for an appointment to have a plan covering care for their personal doctor.
Conclusions: The results of this study provide new insights to federal and state legislators developing new models or standards on network adequacy and patient decision support tools.