A Comparison Between Subjective and Objective Methods of Predicting Health Care Expenses to Support Consumers' Health Insurance Plan Choice

Predicting Future Utilization Using Self-Reported Health and Health Conditions in a Longitudinal Cohort Study: Implications for Health Insurance Decision Support

Decision support techniques and online algorithms aim to help individuals predict costs and facilitate their choice of health insurance coverage. Self-reported health status (SHS), whereby patients rate their own health, could improve cost-prediction estimates without requiring individuals to share personal health information or know about undiagnosed conditions. We compared the predictive accuracy of several models: (1) SHS only, (2) a “basic” model adding health-related variables, and (3) a “full” model adding measures of healthcare access. The Medical Expenditure Panel Survey was used to predict 2015 health expenditures from 2014 data. Relative performance was assessed by comparing adjusted-R² values and by reporting the predictive accuracy of the models for a new cohort (2015–2016 data). In the SHS-only model, those with better SHS were less likely to incur expenditures. However, after accounting for health variables, those with better SHS were more likely to incur expenses. In the full model, SHS was no longer predictive of incurring expenses. Variables indicating better access to care were associated with higher likelihood of spending and higher spending. The full model (R² = 0.290) performed slightly better than the basic model (R² = 0.240), but neither performed well at the upper tail of the cost distribution. While our SHS-based models perform well in the aggregate, predicting population-level risk well, they are not sufficiently accurate to guide individuals’ insurance shopping decisions in all cases. Policies that rely heavily on health insurance consumers making individually optimal choices cannot assume that decision tools can accurately anticipate high costs.

Determinants of rural-urban differences in health care provider visits among women of reproductive age in the United States

BACKGROUND

Rural health disparities and access gaps may contribute to higher maternal and infant morbidity and mortality. Understanding and addressing access barriers for specialty women's health services is important in mitigating risks for adverse childbirth events. The objective of this study was to investigate rural-urban differences in health care access for women of reproductive age by examining differences in past-year provider visit rates by provider type, and quantifying the contributing factors to these findings.

METHODS AND FINDINGS

Using a nationally-representative sample of reproductive age women (n = 37,026) from the Medical Expenditure Panel Survey (2010-2015) linked to the Area Health Resource File, rural-urban differences in past-year office visit rates with health care providers were examined. Blinder-Oaxaca decomposition analysis quantified the portion of disparities explained by individual- and county-level sociodemographic and provider supply characteristics. Overall, there were no rural-urban differences in past-year visits with women's health providers collectively (65.0% vs 62.4%), however differences were observed by provider type. Rural women had lower past-year obstetrician-gynecologist (OB-GYN) visit rates than urban women (23.3% vs. 26.6%), and higher visit rates with family medicine physicians (24.3% vs. 20.9%) and nurse practitioners/physician assistants (NPs/PAs) (24.6% vs. 16.1%). Lower OB-GYN availability in rural versus urban counties (6.1 vs. 13.7 providers/100,000 population) explained most of the rural disadvantage in OB-GYN visit rates (83.8%), and much of the higher family physician (80.9%) and NP/PA (50.1%) visit rates. Other individual- and county-level characteristics had smaller effects on rural-urban differences.

CONCLUSION

Although there were no overall rural-urban differences in past-year visit rates, the lower OB-GYN availability in rural areas appears to affect the types of health care providers seen by women. Whether rural women are receiving adequate specialized women's health care services, while seeing a different cadre of providers, warrants further investigation and has particular relevance for women experiencing high-risk pregnancies and deliveries.