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IOM Discussion Paper Offers Consumers Insights on Health Insurance

Authors of a new discussion paper published by the Institute of Medicine (IOM) offer consumers a guide to answering four critical questions about health insurance: What are my choices for health insurance? How do I get it? How do I use it? How much will it cost me?  
 
In 2012, more than 45 million Americans lacked health insurance, a status that is associated with receiving less medical care and less timely care, having worse health outcomes, and facing greater fiscal burdens. The Affordable Care Act contains provisions designed to increase the number of insured in the United States, yet most Americans do not understand how the ACA will affect them and their options for health insurance.
 
The paper offers tools consumers and health care providers can use to begin a conversation about choosing and using a health insurance plan. These include:
 

Read the full discussion paper.