Kathryn Paez|Coretta Mallery|HarmoniJoie Noel|Christopher Pugliese|V Eloesa McSorley|Jennifer Lucado|Deepa Ganachari
Development of the Health Insurance Literacy Measure (HILM): Conceptualizing and Measuring Consumer Ability to Choose and Use Private Health Insurance
American Institutes for Research|American Institutes for Research|American Institutes for Research|American Institutes for Research|American Institutes for Research|American Institutes for Research|American Institutes for Research
understanding health insurance central affording accessing health care united states efforts support consumers making wise purchasing decisions using health insurance advantage would benefit development valid reliable measure assess health insurance literacy article reports development health insurance literacy measure hilm selfassessment measure consumers ability select use private health insurance authors developed conceptual model health insurance literacy based formative research stakeholder guidance survey items drafted using conceptual model guide tested two rounds cognitive interviews field test 828 respondents exploratory factor analysis revealed two hilm scales choosing health insurance using health insurance divided confidence subscale likelihood behavior subscale correlations hilm scales objective measure health insurance knowledge skills positive statistically significant supports validity measure