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Objective The Affordable Care Act's marketplaces present an important opportunity for expanding coverage but consumers face enormous challenges in navigating through enrollment and re-enrollment. We tested the effectiveness of a behaviorally informed policy tool—plan recommendations—in improving marketplace decisions. Study Setting Data were gathered from a community sample of 656 lower-income, minority, rural residents of Virginia. Study Design We conducted an incentive-compatible, computer-based experiment using a hypothetical marketplace like the one consumers face in the federally-facilitated marketplaces, and examined their decision quality. Participants were randomly assigned to a control condition or three types of plan recommendations: social normative, physician, and government. For participants randomized to a plan recommendation condition, the plan that maximized expected earnings, and minimized total expected annual health care costs, was recommended. Data Collection Primary data were gathered using an online choice experiment and questionnaire. Principal Findings Plan recommendations resulted in a 21 percentage point increase in the probability of choosing the earnings maximizing plan, after controlling for participant characteristics. Two conditions, government or providers recommending the lowest cost plan, resulted in plan choices that lowered annual costs compared to marketplaces where no recommendations were made. Conclusions As millions of adults grapple with choosing plans in marketplaces and whether to switch plans during open enrollment, it is time to consider marketplace redesigns and leverage insights from the behavioral sciences to facilitate consumers' decisions.

"A Fresh Look at Fraud features psychologists, criminologists, and computer scientists to address the state-of-art research on the rising problem of fraud, scams, and financial abuse, stimulating a cross-disciplinary exchange of ideas, theories, methods, and practices. In this timely volume, Yaniv Hanoch and Stacey Wood bring together leading international researchers to discuss and review state-of-the-art research in fraud research, adopting diverse methodologies (from experimental to neuroimaging), perspectives, and questions. The book addresses topics such as mass marketing fraud, financial exploitation, ageing and cyber fraud, risk factors associated with becoming a fraud victim and online/cryptocurrency fraud. It offers a holistic picture of emerging trends and issues in fraud research and also includes discussion of the 'Next Frontiers' in research and important insights on how to create solutions. This book will be a crucial read for practitioners and researchers engaged in fraud research and other fields such as Forensic Psychology, Social Psychology, Criminal Behavior, and Criminology, as well as for postgraduates training in these fields. Yaniv."

"A Fresh Look at Fraud features psychologists, criminologists, and computer scientists to address the state-of-art research on the rising problem of fraud, scams, and financial abuse, stimulating a cross-disciplinary exchange of ideas, theories, methods, and practices. In this timely volume, Yaniv Hanoch and Stacey Wood bring together leading international researchers to discuss and review state-of-the-art research in fraud research, adopting diverse methodologies (from experimental to neuroimaging), perspectives, and questions. The book addresses topics such as mass marketing fraud, financial exploitation, ageing and cyber fraud, risk factors associated with becoming a fraud victim and online/cryptocurrency fraud. It offers a holistic picture of emerging trends and issues in fraud research and also includes discussion of the 'Next Frontiers' in research and important insights on how to create solutions. This book will be a crucial read for practitioners and researchers engaged in fraud research and other fields such as Forensic Psychology, Social Psychology, Criminal Behavior, and Criminology, as well as for postgraduates training in these fields. Yaniv"--

Abstract The five of us research and teach risk analysis with an eye towards decision support. Our work has been dedicated to taming risks and helping to make challenging decisions. But nothing had prepared us for the Covid-19 pandemic. We first had to grapple with the news coming from abroad, including, for some of us, our home countries. Then, some information and research, but mostly opinions, started coming in from our academic community, and we felt the tensions. Finally, the UK went into an unofficial and then official lockdown, and all University staff were asked to redirect their research capacity so as to support the national effort for risk analysis and decision support. As we write this on the 20th of April, many countries, including the UK, are starting to consider how to get out of lockdown. Like the previous stages of the pandemic, there is little data, perhaps a bit more research, surely many more opinions, and definitely an overwhelming amount of personal experiences and thoughts. Here we reflect on all of the above, just in case it can help the readers of this Minds in Society flash editorial to think and act, or at least, to not have to do so entirely on their own. As it can be expected, our collage introduces more questions than it can answer.

Game theory has been one of the most prominent theories in the social sciences, influencing diverse academic disciplines such as anthropology, biology, economics, and political science. In recent years, economists have employed game theory to investigate behaviors relating to fairness, reciprocity, and trust. Surprisingly, this research has not found much resonance in psychological research on social development, even though the two disciplines share a common interest in explaining similar social behaviors and phenomena. We argue that combining economic game theory with developmental psychology can prove to be valuable for both disciplines: developmental psychology can contribute its knowledge about the ontogenesis of social abilities and competencies to economic research, thus providing economists with new theories and understanding. Game theory, on the other hand, can offer developmental psychologists new methodologies and tools for investigating social development.

Herbert Simon's work on bounded rationality has had little impact on researchers studying older adults' decision making. This omission is surprising, as human constraints on computation and memory are exacerbated in older adults. The study of older adults' decision-making processes could benefit from employing a bounded rationality perspective, but any such attempt must take into account the role that emotions play in older adults' information processing, memory, and attention allocation. This is especially the case because older adults show relatively less decrements in performance when tasks are imbedded in or laden with emotional stimuli, and they exhibit a greater tendency to rely on emotional information. We examine recent work on bounded rationality and studies investigating older adults' utilization of, and attention to, emotional information, with the aim of creating a framework that captures the mechanisms underlying older adults' decision making.

pt. I. Background material -- 1. Introduction / Yaniv Hanoch, Andrew J. Barnes, and Thomas Rice -- 2. A brief overview of behavioral economic / Thomas Rice, Yaniv Hanoch, and Andrew J. Barnes -- pt. II. Shaping health behaviour -- 3. The behavioral economics of tobacco products : innovations in laboratory methods to inform regulatory science / Warren K. Bickel, Lara N. Moody, Sarah E. Snider, Alexandra M. Mellis, Jeffrey S. Stein, and Amanda J. Quisenberry -- 4. Understanding alcohol and other drug use via behavioral economics : review and clinical applications / Michael Amlung, Joshua Gray, and James MacKillop -- 5. Behavioral economics : tools for promotion of physical activity / Tammy Leonard and Kerem Shuval -- 6. Using behavioral economics to improve dietary intake : alternatives to regulation, bans, and taxation / Marie A. Bragg and Brian Elbel -- pt. III. Detecting and managing disease -- 7. Improving medication adherence with behavioral economics / Steven E. Meredith and Nancy M. Petry -- 8. Integrating principles from behavioral economics into patient navigation programs targeting cancer screening / Yan Li, Fernando A. Wilson, Roberto Villarreal, and Jose A. Pagan -- 9. Behavioral economics and HIV : a review of existing studies and potential future research areas / Sebastian Linnemayr -- 10. Behavioral economics and health behaviors among the poor : findings from developing country populations / Jill Luoto -- pt. IV. The role of providers, insurers, and government -- 11. Applications of behavioral economics to clinical quality improvement / Daniella Meeker and Jason N. Doctor -- 12. Using behavioral economics to improve people's decisions about purchasing health insurance / Andrew J. Barnes, Thomas Rice, and Yaniv Hanoch -- 13. The role of government : how behavioral economics can inform policies to improve health behaviors / Aditi P. Sen and Richard G. Frank.

AbstractPeople's perceptions of benefits and risks play a key role in their acceptance or rejection of medical interventions, yet these perceptions may be poorly calibrated. This online study with N = 373 adults aged 19–76 years focused on unrealistic optimism in the health domain. Participants indicated how likely they were to experience benefits and risks associated with medical conditions and completed objective and subjective numeracy scales. Participants exhibited optimistic views about the likelihood of experiencing the benefits and the side effects of treatment options described in the scenarios. Objective and subjective numeracy were not associated with more accurate ratings. Moreover, participants' underestimation of the risks was significantly greater than their overestimation of the benefits. From an applied perspective, these results suggest that clinicians may need to ensure that patients do not underestimate risks of medical interventions, and that they convey realistic expectations about the benefits that can be obtained with certain procedures.

AbstractIn later life, people are faced with a multitude of risky decisions that concern their health, finance, and personal security. Older adults often exercise caution in situations that involve risk. In this research, we asked whether older adults are also more responsive to warnings about potential risk. An answer to this question could reveal a factor underlying increased cautiousness in older age. In Study 1, participants decided whether they would engage in risky activities (e.g., using an ATM machine in the street) in four realistic scenarios about which participants could be expected to have relevant knowledge or experience. They then made posterior decisions after listening to audio extracts of real reports relevant to each activity. In Study 2, we explored the role that emotions play in decision updating. As in Study 1, participants made prior and posterior decisions, with the exception that for each scenario the reports were presented in their original audio format (high emotive) or in a written transcript format (low emotive). Following each posterior decision, participants indicated their emotional valence and arousal responses to the reports. In both studies, older adults engaged in fewer risky activities than younger adults, indicative of increased cautiousness in older age, and exhibited stronger decision updating in response to the reports. Older adults also showed stronger emotional responses to the reports, even though emotional responses did not differ for audio and written transcript formats. Finally, age differences in emotional responses to the reports accounted for age differences in decision updating.

Hydraulic fracturing has become a contentious issue around the globe. In the present study, using a sample of American adults (n = 412), the role of political orientation (conservative vs. liberal) and basic knowledge about fracking on fracking risk perception attitudes, fracking economic attitudes, energy reliance attitudes, trust of energy information sources, and preferred dwelling distance from energy operations was investigated. Basic knowledge about hydraulic fracturing as a possible moderating mechanism was also explored. Correlational and regression results revealed that political ideology and basic fracking knowledge are key predictors of fracking and energy source attitudes, and that the nature of the relation between ideology and fracking risk perceptions, fracking economic attitudes, reliance on natural gas, wind and solar, and distrust of government agencies, are influenced by an individual's basic knowledge about fracking.

Young people are exposed to and engage in online risky activities, such as disclosing personal information and making unknown friends online. Little research has examined the psychological mechanisms underlying young people's online risk taking. Drawing on fuzzy trace theory, we examined developmental differences in adolescents' and young adults' online risk taking and assessed whether differential reliance on gist representations (based on vague, intuitive knowledge) or verbatim representations (based on specific, factual knowledge) could explain online risk taking. One hundred and twenty two adolescents (ages 13–17) and 172 young adults (ages 18–24) were asked about their past online risk‐taking behavior, intentions to engage in future risky online behavior, and gist and verbatim representations. Adolescents had significantly higher intentions to take online risks than young adults. Past risky online behaviors were positively associated with future intentions to take online risks for adolescents and negatively for young adults. Gist representations about risk negatively correlated with intentions to take risks online in both age groups, while verbatim representations positively correlated with online risk intentions, particularly among adolescents. Our results provide novel insights about the underlying mechanisms involved in adolescent and young adults' online risk taking, suggesting the need to tailor the representation of online risk information to different age groups.

It has long been assumed that risk taking is closely associated with criminal behavior. One reason for placing criminals behind bars—aside from punishment and protecting the public—is to prevent them from engaging in further risky criminal activities. Limited attention has been paid to whether being inside or outside prison affects offenders' risk‐taking behaviors and attitudes. We compared risk‐taking behaviors and attitudes in five risk domains (ethical, financial, health/safety, recreational, social) among 75 incarcerated offenders (i.e., offenders who are currently in prison) and 45 ex‐offenders (i.e., offenders who have just been released from prison). Ex‐offenders reported higher likelihood of engaging in risky behavior, driven largely by a willingness to take more risks in the recreational and ethical domains. Benefits attributed to risk taking as well as risk perception did not differ between incarcerated and ex‐offenders, indicating that the opportunity to take risks might underlie behavioral risk intentions. Our results also indicate that risk‐taking activities are better predicted by the expected benefits rather than by risk perception, aside from the health/safety domain. These results highlight the importance of studying the person and the environment and examining risk taking in a number of content domains.

Risk‐taking tendencies and environmental opportunities to commit crime are two key features in understanding criminal behavior. Upon release from prison, ex‐prisoners have a much greater opportunity to engage in risky activity and to commit criminal acts. We hypothesized that ex‐prisoners would exhibit greater risk‐taking tendencies compared to prisoners who have fewer opportunities to engage in risky activity and who are monitored constantly by prison authorities. Using cumulative prospect theory to compare the risky choices of prisoners and ex‐prisoners our study revealed that ex‐prisoners who were within 16 weeks of their prison release made riskier choices than prisoners. Our data indicate that previous studies comparing prisoners behind bars with nonoffenders may have underestimated the risk‐taking tendencies of offenders. The present findings emphasize the central role played by risk‐taking attitudes in criminal offending and highlight a need to examine offenders after release from prison.

Evidence suggests that Medicare Part D plan ownership is "sticky"; beneficiaries are unlikely to change plans from year to year, even when it would be in their financial interest to do so. The complexity of the program may contribute to this problem. Using data from a national survey, the authors examine the characteristics of those who believe that Part D is too complicated as well as the characteristics of those who endorse one of two policies to simplify the program. The results indicate that a great majority of adults believe that the program is too complicated and most favor some form of simplification. In multivariate analyses, one of the most consistent predictors is political orientation. Republicans are significantly less likely to think that Part D is too complicated, and liberals and moderates are significantly more likely to favor allowing beneficiaries the option of purchasing a plan directly from the government.