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For the 11 million Australians with private hospital cover, premium rises are nothing new. The 3.95% average increase on April 1, 2018 will be the seventeenth consecutive year in which insurance premiums have been hiked up. Health insurance premiums have increased by an average of 5.35% per year since 2000, which is significantly more than wage growth, meaning that households are spending a larger share of their income on health care.

Interesting look at data around private healthcare and marketisation. Each year, for well over a decade, more people have faced higher health insurance deductibles. The theory goes like this: The more of your own money that you have to spend on health care, the more careful you will be - buying only necessary care, purging waste from the system. But that theory doesn't fully mesh with reality: High deductibles aren't working as intended. A body of research - including randomized studies - shows that people do in fact cut back on care when they have to spend more for it. The problem is that they don't cut only wasteful care. They also forgo the necessary kind. This, too, is well documented, including with randomized studies. People don't know what care they need, which is why they consult doctors.

Nice discussion of the data around contraception choices. Shortly after Donald Trump was elected president I started noticing an interesting trend on my social media newsfeeds. And no, I'm not talking about the near-constant bickering of people with differing political opinions. I started seeing post after post from friends publicly asking one another about their experiences with different forms of birth control. The motivation for these kinds of conversations centered around the pending rollback of copay-free contraception, but have since been re-kindled every time reproductive rights come up in the political arena. And it's not just talk. Many of these conversations centered around the use of long-term contraceptives like intra-uterine devices or IUDs which can protect against pregnancy for 3 - 12 years. In the months immediately following the 2016 election, AthenaHealth reported a 19% increase in IUD-related doctor's visits and Planned Parenthood reported a 900% increase in patients seeking IUDs. Cait, 27, recently switched to a copper IUD, and said that she made the switch due to convenience and "because now in light of our current administration I'd like to have something that will continue to work and be affordable even if I end up without health insurance."

It's not just disadvantaged and vulnerable groups that struggle with financial decision-making. People who are highly educated in finance also make poor decisions - for instance, by focusing too much on growing their assets and ignoring risks. But studies show that when regulation is effective and the financial system can be trusted, even consumers with limited financial knowledge and information-processing capabilities have the potential to deal with complex financial decisions. For example, when considering mortgage protection insurance, applicants stand to benefit from knowing the actual risk of events like serious illness or injury that can affect their ability to meet monthly loan repayments.

What is the basis for the argument that poor Americans will be healthier if they are required to pay substantially more for health care? It appears that proponents like Ms. Verma have looked at research and concluded that having Medicaid is often no better than being uninsured - and thus that any private insurance, even with enormous deductibles, must be better. But our examination of research in this field suggests this kind of thinking is based on a classic misunderstanding: confusing correlation for causation.

Many public conversations we have about science-related issues involve communicating risks: describing them, comparing them and trying to inspire action to avoid or mitigate them. Just think about the ongoing stream of news and commentary on health, alternative energy, food security and climate change. Good risk communication points out where we are doing hazardous things. It helps us better navigate crises. It also allows us to pre-empt and avoid danger and destruction. But poor risk communication does the opposite. It creates confusion, helplessness and, worst of all, pushes us to actively work against each other even when it's against our best interests to do so. So what's happening when risk communications go wrong?