Many respondents were also confused about specifics of their own coverage. Only 20% of respondents could correctly identify all life events that would allow someone to sign up health insurance outside of open enrollment, and 59% of respondents incorrectly said that it’s illegal to have more than one health insurance plan at a time.Īsked what element of health insurance confuses them most, 52% of respondents said figuring out what counts toward their deductible, 47% said what procedures are covered, and 47% said what constitutes in- or out-of-network care. Sixty-one percent incorrectly defined a health insurance premium as the amount paid to cover healthcare services before the insurance plan starts to pay, which is actually the definition of a deductible. Though almost half guessed they had gotten most or all of the questions right, the survey revealed several misunderstandings. The survey tested respondents’ knowledge of health insurance components and financing tools.
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