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Comprehensive Medical Insurance: A Study of Costs, Use, and Attitudes under Two Plans

Howard O. Brower
JAMA. 1960;173(13):1509-1510. doi:10.1001/jama.1960.03020310097036.
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The term "dual choice" as applied to health insurance is relatively new. It means that the persons in an employee group may choose one of two alternative insurance plans. Sometimes the dual choice can be exercised only once—usually initially; however, in other instances employees are permitted, at intervals, to transfer from one plan to the other. Prior to the advent of dual choice systems under contributory group plans most employees had only the alternatives of participation or nonparticipation in a single plan either offered by an employer or negotiated by a union.

This publication is listed by Health Information Foundation as Research Series No. 9 and described as, "a study of costs, use, and attitudes under two health insurance plans." The two original objectives of the study were "(1) to analyze to what extent the provision of virtually complete hospital and physicians' services through prepayment helps families to pay for


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