Why does it matter?

When consumers lack the kind of cost and benefit information that CHA provides, they most often over-insure (choose a plan with a higher premium). By some estimates, consumers select a suboptimal plan 80% of the time, over-insuring by an average of $400-$600 per year. We trust that consumers know what is best for themselves and their families when they are presented with the information they need in a simple and direct manner. When consumers have the information they need, they make rational choices.

Consumers buy the products and services that best address their needs, taking into account budget, quality, needed features, and desired features. For the first time, CHA empowers consumers to do this in the context of selecting a health insurance plan. Consumers need the objective information that other stakeholders, including insurance companies and employers have had access to for years.


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