The Impact of using ALEX on the Efficiency Health Insurance Choices on Emory Health Plan Enrollees Público

Abstract

With the recent rise of technology and digital transformation, health insurance companies and self-insured employers have been leveraging various technologies to improve the consumer experience. In 2021, Emory University’s HR department unveiled ALEX®, an online benefits counselor that is trained to help employees find a personalized and lowest-cost plan based on their needs. Other organizations around the nation also have been incorporating ALEX to aid their employees with the selection of benefits; however, some organizations—such as the Washington State Health Care Authority—have already terminated offering ALEX, citing a lack of use and employees using different resources to inform their health insurance plan choices. This paper examines whether ALEX has had an impact on consumers’ health insurance experiences and health insurance and health care related costs for Emory University and Emory Healthcare employees. After analysis, it was revealed that ALEX has a minimal impact on change in product, Emory medical coverage tier, and health care costs with the implementation of ALEX. However, there is the most variation of change in changes in product, meaning that ALEX is likely to induce change in healthcare product more than tier and costs. 

Table of Contents

1 Introduction

1.1 Emory’s Health Insurance Landscape

1.2 Background of ALEX® .

1.3 ALEX in other Environments

1.4 Other Health Insurance Decision Making Tools on the Market

1.5 Acceptance of Technology in Healthcare

1.6 Past Study Limitations

2 Methods

2.1 Participants

2.2 Data Manipulation

2.3 Measures of Analysis

2.4 Statistical Analysis

3 Results

3.1 Change in Product Type

3.2 Change in Emory Medical Coverage Tier

3.3 Cost Analysis for Total Costs and Total Out-of-Pocket Costs

3.4 Cost Analysis for Medical Costs and Medical Out-of-Pocket Costs

3.5 Cost Analysis for Pharmacy Costs and Pharmacy Out-of-Pocket Costs

4 Discussion

4.1 Limitations

4.2 Future Research

5 Conclusions

6 References

About this Honors Thesis

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School	Emory College
Department	Human Health
Degree	B.A.
Submission	Honors Thesis
Language	English
Research Field	Health Sciences, Public Health
Palavra-chave	Health Insurance ALEX Health Plan
Committee Chair / Thesis Advisor	Michal Horný, Emory University
Committee Members	Benjamin Miller, Emory University Don Noble, Emory University

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