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Impact of Benefit Inserts on Health Plan Selection and Utilization Among Renewing Covered California Members

NCT07136233 · Status: ACTIVE_NOT_RECRUITING · Phase: NA · Type: INTERVENTIONAL · Enrollment: 1600000

Last updated 2025-08-22

No results posted yet for this study

Summary

The study aims to evaluate the impact of an informational flyer insert on health plan selection and health care utilization among Covered California renewing members during the 2025 plan year. The flyer highlights the enhanced Silver plan benefits, which were expanded in 2025 to include all enrollees, regardless of income level. Key benefits include $0 deductibles, lower monthly premiums, free preventive visits, and reduced costs for primary care, emergency care, and medications.

The main questions the study seeks to answer are:

* Does the informational flyer help overcome barriers that prevent consumers from switching to more beneficial plans?
* Does the flyer encourage current Silver Plan enrollees to increase health care utilization, such as preventive visits, primary care, and medication usage, by highlighting enhanced benefits like $0 deductible and lower costs?

To address these questions, researchers will compare outcomes between households that receive the flyer insert and those that do not. Covered California's administrative data will provide individual-level information on plan selection, while claims data will offer insights into healthcare utilization patterns. This approach will help determine the effectiveness of targeted communication in driving selection of more beneficial plan and improving healthcare utilization.

Conditions

  • Outreach Intervention

Interventions

BEHAVIORAL

Informational Flyer Insert on Enhanced Silver Plan Benefits

Alongside the standard eligibility notice informing participants about their upcoming coverage renewal, an informational flyer is also included. The flyer explains that everyone is eligible in 2025 for the Silver plan regardless of income and highlights its benefits, such as $0 deductibles, lower monthly premiums, free preventive visits, and reduced costs for primary care, emergency care, and medications.

Sponsors & Collaborators

  • Covered California

    lead OTHER_GOV

Principal Investigators

  • Emily Kohn, Masters of Public Policy · Covered California

Study Design

Allocation
RANDOMIZED
Purpose
HEALTH_SERVICES_RESEARCH
Masking
DOUBLE
Model
PARALLEL

Eligibility

Sex
ALL
Healthy Volunteers
Yes

Timeline & Regulatory

Start
2024-10-04
Primary Completion
2026-07-30
Completion
2026-07-30

Countries

  • United States

Study Locations

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Read the full study record

This page highlights key information. For complete eligibility criteria, study locations, investigator contacts, and the full protocol, visit the original record on ClinicalTrials.gov.

View NCT07136233 on ClinicalTrials.gov