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Using Personalized Letters and Emails to Increase Health Insurance Take-up and Improve Plan Choice Quality

NCT ID: NCT05216458

Last Updated: 2022-01-31

Study Results

Results pending

The study team has not published outcome measurements, participant flow, or safety data for this trial yet. Check back later for updates.

Basic Information

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Recruitment Status

COMPLETED

Clinical Phase

NA

Total Enrollment

44000 participants

Study Classification

INTERVENTIONAL

Study Start Date

2021-05-27

Study Completion Date

2021-08-31

Brief Summary

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With the passage of the American Rescue Plan (ARP) in March 2021, more consumers than ever before are now eligible for $0 -- or $1 per member per month (PMPM) in Marketplaces that include abortion coverage -- health insurance coverage across the ACA Marketplaces. But many individuals may not be aware of the new subsidies, or of their eligibility for Cost-Sharing Reduction (CSR) Silver plans. This project's goal is to examine whether personalized letters and email reminders can increase health insurance enrollment, CSR Silver take-up and $1 PMPM coverage.

Detailed Description

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Conditions

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Health Behavior

Keywords

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Affordable Care Act randomized controlled trial nudge American Rescue Plan

Study Design

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Allocation Method

RANDOMIZED

Intervention Model

PARALLEL

Primary Study Purpose

OTHER

Blinding Strategy

SINGLE

Participants

Study Groups

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Control

Households in the control group did not receive any messages during the intervention period from June 2021 to August 2021

Group Type EXPERIMENTAL

Control group

Intervention Type BEHAVIORAL

No outreach during the intervention period.

Generic Outreach

Households in the generic outreach group were assigned to receive a letter and two email reminders in June 2021 and thereafter received the standard messages Covered California sends to prospective enrollees, which explain that nearly all Covered California members get subsidies to pay for health insurance and encourage them to explore their plan options using an online Shop \& Compare tool.

For the generic arm, the outreach materials described new financial assistance under the American Rescue Plan and noted the availability of plans as low as $1/month.

Group Type EXPERIMENTAL

Emails and letter intervention

Intervention Type BEHAVIORAL

Emails and letters for households assigned to the treatment group

Personalized Outreach

Households in the personalized outreach group were assigned to receive a letter and two email reminders in June 2021 and thereafter received the standard messages Covered California sends to prospective enrollees.

For the personalized arm, the outreach explicitly informed the household that they were eligible for a $1/month CSR Silver 94 plan and described the benefits this plan confers. The outreach materials for the personalized group were not only designed to increase enrollment, but also to simplify the search process by providing households with a clear recommendation to pick a CSR Silver plan; this included highlighting the low out-of-pocket costs these plans provide when accessing care, a screenshot of what the plan would look like when they entered the shopping portal and peer comparison language that noted 9 out of 10 consumers like them choose CSR Silver plans

Group Type EXPERIMENTAL

Emails and letter intervention

Intervention Type BEHAVIORAL

Emails and letters for households assigned to the treatment group

Interventions

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Emails and letter intervention

Emails and letters for households assigned to the treatment group

Intervention Type BEHAVIORAL

Control group

No outreach during the intervention period.

Intervention Type BEHAVIORAL

Eligibility Criteria

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Inclusion Criteria

* Submitted a Covered California application for the 2021 coverage year and found eligible for a $1 PMPM Enhanced Silver 94 plan

Exclusion Criteria

\-
Eligible Sex

ALL

Accepts Healthy Volunteers

No

Sponsors

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Office of Evaluation Sciences

FED

Sponsor Role lead

Responsible Party

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Andrew Feher

Research Scientist

Responsibility Role PRINCIPAL_INVESTIGATOR

Principal Investigators

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Andrew Feher, PhD

Role: STUDY_DIRECTOR

Covered California

Locations

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Covered California

Sacramento, California, United States

Site Status

Countries

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United States

Provided Documents

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Document Type: Statistical Analysis Plan

View Document

Other Identifiers

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05272021

Identifier Type: -

Identifier Source: org_study_id