The relationship between enrollees' perceptions of health insurers' tasks and their trust in them.

IF 3 3区医学 Q2 HEALTH POLICY & SERVICES

Health Economics Policy and Law Pub Date : 2025-05-28 DOI:10.1017/S1744133125000039

Frank J P van der Hulst, Berdien A Prins, Anne E M Brabers, Rob Timans, Judith D de Jong

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引用次数: 0

Abstract

Background: Health insurers' role in healthcare systems based on managed competition comprises various tasks. Misconceptions about these tasks may result in low public trust, which may hamper health insurers in performing their tasks. This study examines the relationship between enrollees' perceptions of health insurers' tasks and their trust in them.

Methods: A questionnaire in November 2021 asked respondents to indicate to what extent health insurers have to perform certain tasks, whether they actually perform them, and whether they think these tasks are important. Trust was measured using a validated multiple-item scale. The results from 837 respondents (56 per cent response rate) were analysed using multivariate regression models.

Results: A larger mismatch between enrollees' expectations about health insurers' tasks and their actual statutory tasks is related to less trust regarding the categories 'controlling healthcare costs' and 'mediation and quality of care'. Second, a larger mismatch between expectations and actually performed tasks is related to less trust for all categories. Importance of tasks only affects this relationship concerning 'informing about price and availability of care'.

Conclusions: This study emphasises the importance of reducing enrollees' misconceptions as trust in health insurers is necessary to fulfil their role as purchaser of care.

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参保人对健康保险公司任务的认知与对他们的信任之间的关系。

背景：健康保险公司在基于管理竞争的医疗保健系统中的作用包括各种任务。对这些任务的误解可能导致公众信任度低，从而可能妨碍健康保险公司履行其任务。本研究考察了参保人对健康保险公司任务的认知与他们对他们的信任之间的关系。方法：2021年11月的一份调查问卷要求受访者指出健康保险公司必须在多大程度上执行某些任务，他们是否实际执行这些任务，以及他们是否认为这些任务重要。信任是用一个有效的多项目量表来测量的。使用多元回归模型对837名受访者（56%的回复率）的结果进行分析。结果：投保人对健康保险公司任务的期望与实际法定任务之间的较大不匹配与对“控制医疗成本”和“调解和护理质量”类别的信任度降低有关。其次，期望和实际执行任务之间的较大不匹配与所有类别的信任度降低有关。任务的重要性只影响“告知价格和可获得性”的关系。结论：本研究强调了减少登记者误解的重要性，因为对健康保险公司的信任是履行其作为医疗购买者角色所必需的。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Health Economics Policy and Law HEALTH POLICY & SERVICES-

CiteScore

5.30

自引率

0.00%

发文量

期刊介绍： International trends highlight the confluence of economics, politics and legal considerations in the health policy process. Health Economics, Policy and Law serves as a forum for scholarship on health policy issues from these perspectives, and is of use to academics, policy makers and health care managers and professionals. HEPL is international in scope, publishes both theoretical and applied work, and contains articles on all aspects of health policy. Considerable emphasis is placed on rigorous conceptual development and analysis, and on the presentation of empirical evidence that is relevant to the policy process.