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Nudging Our Way Past Inertia in the Health Insurance Exchanges
David Dranove and Craig Garthwaite, Kellogg School of ManagementLink to more items from this source
June 1, 2015
"Most exchanges automatically reenroll participants in the same plan they had in the previous year.... [T]he first time that many enrollees will find out about their premium spikes will be when they get their first bill.... [The authors suggest] that at renewal time, all individuals are asked to affirm whether they want to keep their plan, switch plans, or drop coverage. Those who do not respond are automatically reenrolled, but are not necessarily assigned to their own plan. There are a number of options for reassignment that would avoid financial surprises -- for example enrollees could be reassigned to any plan that cost no more than the second cheapest silver plan."

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