Facilitating State Health Exchange
Communication Through the Use of
HEALTH LITERATE PRACTICES
Workshop Summary
Maria Hewitt, Rapporteur
Roundtable on Health Literacy
Board on Population Health and Public Health Practice

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Facilitating State Health Exchange
Communication Through the Use of
HEALTH LITERATE PRACTICES
Workshop Summary
Maria Hewitt, Rapporteur
Roundtable on Health Literacy
Board on Population Health and Public Health Practice
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THE NATIONAL ACADEMIES PRESS 500 Fifth Street, N.W. Washington, DC 20001
NOTICE: The project that is the subject of this report was approved by the Gov-
erning Board of the National Research Council, whose members are drawn from
the councils of the National Academy of Sciences, the National Academy of Engi -
neering, and the Institute of Medicine.
This study was supported by contracts between the National Academy of Sciences
and the Agency for Healthcare Research and Quality (HHSP233200900537P),
Aetna, the American College of Physicians Foundation, the Association of Health
Insurance Plans, GlaxoSmithKline, the Health Resources and Services Adminis -
tration (HHSH25034004T), Johnson & Johnson, Kaiser Permanente, Merck and
Co., Inc., and the Missouri Foundation for Health (09-0290-HL-09). Any opinions,
findings, conclusions, or recommendations expressed in this publication are those
of the author(s) and do not necessarily reflect the view of the organizations or
agencies that provided support for this project.
International Standard Book Number-13: 978-0-309-22029-3
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Suggested citation: IOM (Institute of Medicine). 2012. Facilitating State Health
Exchange Communication Through the Use of Health Literate Practices: Workshop Sum -
mary. Washington, DC: The National Academies Press
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“Knowing is not enough; we must apply.
Willing is not enough; we must do.”
— Goethe
Advising the Nation. Improving Health.
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PLANNING COMMITTEE ON FACILITATING STATE
HEALTH EXCHANGE COMMUNICATION THROUGH
THE USE OF HEALTH LITERATE PRACTICES1
FRANK FUNDERBURK, Director, Division of Research, Center for
Medicare and Medicaid Services, Department of Health and Human
Services, Baltimore, MD
JILL GRIFFITHS, Vice President, Communications, Aetna, Hartford, CT
MARCIA J. NIELSEN, Associate Professor; Department of Health
Policy and Management, Associate Dean for Health Policy, Kansas
University Medical Center, Kansas City
WINSTON WONG, Medical Director and Director, Community
Benefit, Disparities Improvement, and Quality Initiatives, Kaiser
Permanente, Oakland, CA
1 Institute of Medicine planning committees are solely responsible for organizing the
workshop, identifying topics, and choosing speakers. The responsibility for the published
workshop summary rests with the workshop rapporteur and the institution.
v
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ROUNDTABLE ON HEALTH LITERACY1
GEORGE ISHAM (Chair), Medical Director and Chief Health Officer,
HealthPartners
SHARON E. BARRETT, Health Literacy Staff Consultant, Association
of Clinicians for the Underserved
CINDY BRACH, Senior Health Policy Researcher, Center for Delivery,
Organization, and Markets, Agency for Healthcare Research and
Quality
CAROLYN COCOTAS, Senior Vice President, Quality and Corporate
Compliance, F.E.G.S. Health and Human Services System
ARTHUR CULBERT, President and CEO, Health Literacy Missouri
MICHAEL L. DAVIS, Senior Vice President, Human Resources,
General Mills, Inc.
BENARD P. DREYER, Professor of Pediatrics, New York University
School of Medicine, and Chair, American Academy of Pediatrics
Health Literacy Program Advisory Committee
LEONARD EPSTEIN, Senior Advisor, Clinical Quality and Culture,
Health Resources and Services Administration
DEBBIE FRITZ, Director, Policy and Standards, Health Management
Innovations Division, GlaxoSmithKline
MARTHA GRAGG, Vice President of Program, Missouri Foundation
for Health
JILL GRIFFITHS, Vice President, Communications, Aetna
LINDA HARRIS, Team Leader, Health Communication and eHealth
Team, Office of Disease Prevention and Health Promotion, U.S.
Department of Health and Human Services
BETSY L. HUMPHREYS, Deputy Director, National Library of
Medicine, National Institutes of Health
JEAN KRAUSE, Executive Vice President and CEO, American College
of Physicians Foundation
MARGARET LOVELAND, Global Medical Affairs, Merck & Co., Inc.
PATRICK McGARRY, Assistant Division Director, Scientific Activities
Division, American Academy of Family Physicians
RUTH PARKER, Professor of Medicine, Emory University School of
Medicine
YOLANDA PARTIDA, Director, National Program Office, Hablamos
Juntos, University of California, San Francisco, Fresno Center for
Medical Education & Research
1Institute of Medicine forums and roundtables do not issue, review, or approve individual
documents. The responsibility for the published workshop summary rests with the workshop
rapporteur and the institution.
vi
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CLARENCE PEARSON, Consultant, Global Health Leadership and
Management
SUSAN PISANO, Director of Communications, America’s Health
Insurance Plans
ANDREW PLEASANT, Health Literacy and Research Director, Canyon
Ranch Institute
SCOTT C. RATZAN, Vice President, Global Health, Johnson & Johnson
WILL ROSS, Associate Dean for Diversity, Associate Professor of
Medicine, Washington University School of Medicine
PAUL M. SCHYVE, Senior Vice President, The Joint Commission
PATRICK WAYTE, Vice President, Marketing and Health Education,
American Heart Association
WINSTON F. WONG, Medical Director, Community Benefit,
Disparities Improvement and Quality Initiatives, Kaiser
Permanente, Oakland, CA
Study Staff
LYLA M. HERNANDEZ, Staff Director
ANDREW LEMERISE, Research Associate
ANGELA MARTIN, Senior Project Assistant
ROSE MARIE MARTINEZ, Director, Board on Population Health and
Public Health Practice
vii
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Reviewers
This report has been reviewed in draft form by individuals chosen
for their diverse perspectives and technical expertise, in accordance with
procedures approved by the National Research Council’s Report Review
Committee. The purpose of this independent review is to provide candid
and critical comments that will assist the institution in making its pub-
lished report as sound as possible and to ensure that the report meets
institutional standards for objectivity, evidence, and responsiveness to
the study charge. The review comments and draft manuscript remain
confidential to protect the integrity of the process. We wish to thank the
following individuals for their review of this report:
David Coultas, The University of Texas Health Science Center at
Tyler
Elizabeth Hahn, Center on Outcomes, Research and Education
(CORE)
Alice Horowitz, University of Maryland
Aileen Kantor, Health Literacy Innovations
Kathleen Mazor, University of Massachusetts Medical School
Although the reviewers listed above have provided many construc-
tive comments and suggestions, they were not asked to endorse the final
draft of the report before its release. The review of this report was over-
seen by Hugh H. Tilson, University of North Carolina. Appointed by
ix
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x REVIEWERS
the Institute of Medicine, he was responsible for making certain that an
independent examination of this report was carried out in accordance
with institutional procedures and that all review comments were carefully
considered. Responsibility for the final content of this report rests entirely
with the rapporteur and the institution.
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Acknowledgments
The sponsors of the Institute of Medicine Roundtable on Health Lit -
eracy made it possible to plan and conduct the workshop Facilitating
State Health Exchange Communication Through the Use of Health Liter-
ate Practices. Sponsors from the U.S. Department of Health and Human
Services are the Agency for Healthcare Research and Quality and the
Health Resources and Services Administration. Nonfederal sponsorship
was provided by Aetna; the American College of Physicians Foundation;
the Association of Health Insurance Plans; GlaxoSmithKline; Johnson &
Johnson; Kaiser Permanente; Merck and Co., Inc.; and the Missouri Foun-
dation for Health.
The roundtable wishes to express its gratitude to the following speak-
ers for their thoughtful and stimulating presentations: Sabrina Corlette,
Frank Funderburk, Marilyn Maultsby, Yolanda Partida, Susan Pisano,
Lynn Quincy, Rima Rudd, and Alice Weiss. The roundtable also wishes
to thank the planning committee members for their work in developing
an excellent workshop agenda. Members of the planning committee were
Frank Funderburk, Jill Griffiths, Marcia Nielsen, and Winston Wong.
xi
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Contents
1 INTRODUCTION 1
References, 4
2 STATE HEALTH INSURANCE EXCHANGES—OVERVIEW 5
State Health Insurance Exchanges: Helping Consumers
Navigate an Enrollment Superhighway, 5
Lessons Learned from Currently Operating Health Exchanges, 13
Discussion, 18
References, 26
3 STATE INSURANCE EXCHANGES’ IMPACT ON CONSUMERS 27
How Consumers Shop for Health Insurance: Lessons for
Exchange Designers, 27
The Challenge of Health Insurance Language or
Communication with Vulnerable Populations, 34
Discussion, 43
References, 47
4 HEALTH LITERACY RELEVANCE TO HEALTH INSURANCE
EXCHANGES 49
The Importance of Health Literacy in Health Insurance Reform, 49
Health Insurance Exchanges: Facilitating Choice Through
Health Literacy Interventions, 54
xiii
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xiv CONTENTS
Discussion, 60
References, 65
5 CURRENT BEST PRACTICES IN DEVELOPING MATERIALS
AND COMMUNICATING WITH CONSUMERS 67
Lessons Learned from the State Health Insurance Assistance
Program (SHIP), 67
Health Plans and Health Literacy: Laying the Foundation and
Beyond, 71
Discussion, 74
References, 78
6 REFLECTIONS ON LESSONS LEARNED 79
APPENDIXES
A WORKSHOP AGENDA 85
B WORKSHOP SPEAKER BIOSKETCHES 89
C STATEMENT ON HEALTH PLAN LEADERSHIP IN
ADVANCING HEALTH LITERACY AND CLEAR HEALTH
COMMUNICATION 95
TABLES
2-1 The Utah Health Exchange: What It Does and Does Not Do, 15
3-1 Three Consumer’s Union Studies of Consumer Health Insurance
Shopping Behavior, 28
4-1 Access and Navigation, 57
FIGURE
3-1 Coverage examples, 30
BOXES
3-1 Examples of Inconsistently Used Program Names in Health Plan
Materials, 40
3-2 Difficult-to-Understand Medicare Program Components
(English), 41
4-1 The Design of State Health Insurance Exchanges, 55