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Social Defaults and Plan Choice: Spousal Following in Medicare Plan Choice
National Bureau of Economic Research [NBER]; purchase required 
Aug. 18, 2025 "[The authors] study how couples in the Medicare Part D program choose an insurance plan. Over 70 percent of enrollees choose the same plan as their spouse. Even among those with differing healthcare needs, well over half do so. Discrete-choice models suggest beneficiaries value being on the same plan as their spouse at over a thousand dollars per year.... Joint plan choice contributes modestly to overall overspending, but increases costs substantially for the couples with different cost-minimizing plans." MORE >> |
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