Dynamic copay health plans, AI-enabled price transparency, and member experience
Arindam Debbarma, Bryan E Dowd · 2026
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Description
Arindam Debbarma and Bryan E. Dowd wrote a 2026 review of dynamic copay health plans, a new design in United States employer insurance. In these plans, the fixed amount a patient pays varies by provider and service. It is shown before care, often in an app. It uses price data that new transparency rules and artificial intelligence tools make available.
Using UnitedHealthcare's Surest plan as an example, the authors trace plan design from broad networks to narrow, tiered networks and reference pricing. They weigh likely gains in predicting out-of-pocket costs against limits: low insurance literacy, little truly shoppable care, and steering effects that fade. They propose layering dynamic copays onto reference pricing and tiered networks.
Catalog record
| CREATOR | Arindam Debbarma, Bryan E Dowd |
|---|---|
| YEAR | 2026 |
| COLLECTION | PAPERS |
| FORMAT | TXT |
| FILE SIZE | 32419 |
| LICENSE | https://creativecommons.org/licenses/by/4.0 |
| RIGHTS | CC BY |
| SOURCE | Europe PMC |