The factors that might influence decisions to purchase or not purchase health care insurance depend on the consumers ability to process and navigate through the overwhelming amount of choices they are offered. Commercial health insurance typically focuses on a business to business approach. Insurers offer plans through employers that allows the employer to choose …show more content…
Traditionally the insured tend to be those with higher levels of education and those who are more health-conscious. Health insurance leads to a reduction in the price of health care so the insured tend to use health care more than those that would pay out of pocket. For example, individuals who would not use medical services at uninsured rates will tend to use it if they have insurance. An adverse effect in the connection between insurance and health care is that when individuals become insured they may not be as cautious about their health and participate in unhealthy behaviors that will lead to more health problems that will require additional health