Health Insurance Complexity Demands Consumer Literacy

Kathleen Call
Friday, January 1, 2016

As we move through the health insurance enrollment season, parsing terms like "coinsurance" and an alphabet soup of acronyms (FSA, HSA, HRA, HDHP) can present real obstacles to making informed decisions. An article from National Public Radio (NPR) provides some comfort for the bewildered, noting that even those who work in health care fields struggle with the terminology. Kathleen Call, a professor in the University of Minnesota's School of Public Health, notes: "We've created a monster, and it's not surprising to me that there's literacy issues. I've studied this stuff, and sometimes I make mistakes." Among Call's areas of study is the way complexity compromises public health and increases health disparities. Luckily, the article includes a graphic that explains the terms that most frequently cause confusion; you can view it here