PMID- 36048907
OWN - NLM
STAT- MEDLINE
DCOM- 20220908
LR  - 20220923
IS  - 1932-6203 (Electronic)
IS  - 1932-6203 (Linking)
VI  - 17
IP  - 9
DP  - 2022
TI  - Health insurance literacy in the Netherlands: The translation and validation of 
      the United States' Health Insurance Literacy Measure (HILM).
PG  - e0273996
LID - 10.1371/journal.pone.0273996 [doi]
LID - e0273996
AB  - An important criterion for the proper functioning of a managed competition 
      healthcare system, such as operates in the Netherlands, is that all citizens can 
      make well-informed decisions regarding their health insurance policy. In order to 
      achieve this, citizens need certain health insurance literacy skills. It is not 
      known how far citizens in the Netherlands have these skills. The aim of this 
      study is to provide a reliable instrument that measures the health insurance 
      literacy of citizens in the Netherlands. It would be based upon an existing 
      instrument developed in the US. We translated the US Health Insurance Literacy 
      Measure (HILM) into Dutch. Furthermore, we established the psychometric 
      properties of the Dutch version (HILM-NL), and we validated the HILM-NL in a 
      general population sample by sending surveys to members of the Nivel Dutch Health 
      Care Consumer Panel (DHCCP) in February and March 2020. The response rates were 
      respectively 54% (n = 806) and 56% (n = 595). No insurmountable difficulties with 
      equivalence were encountered throughout the translation process. The HILM-NL 
      showed an acceptable level of internal consistency, good test-retest reliability, 
      and a good construct validity. The HILM-NL is a reliable instrument for measuring 
      health insurance literacy among citizens in the Netherlands. With this 
      instrument, it is better possible both to assess how these citizens choose and 
      use a health insurance policy, and also the difficulties they face. It enables 
      citizens in the Netherlands to be supported better in making well-informed 
      decisions on health insurance.
FAU - Holst, Laurens
AU  - Holst L
AUID- ORCID: 0000-0001-5850-5974
AD  - Nivel, The Netherlands Institute for Health Services Research, Utrecht, The 
      Netherlands.
FAU - Victoor, Aafke
AU  - Victoor A
AD  - Nivel, The Netherlands Institute for Health Services Research, Utrecht, The 
      Netherlands.
FAU - Brabers, Anne
AU  - Brabers A
AD  - Nivel, The Netherlands Institute for Health Services Research, Utrecht, The 
      Netherlands.
FAU - Rademakers, Jany
AU  - Rademakers J
AD  - Nivel, The Netherlands Institute for Health Services Research, Utrecht, The 
      Netherlands.
AD  - CAPHRI, Maastricht University, Maastricht, The Netherlands.
FAU - de Jong, Judith
AU  - de Jong J
AD  - Nivel, The Netherlands Institute for Health Services Research, Utrecht, The 
      Netherlands.
AD  - CAPHRI, Maastricht University, Maastricht, The Netherlands.
LA  - eng
PT  - Journal Article
PT  - Research Support, Non-U.S. Gov't
DEP - 20220901
PL  - United States
TA  - PLoS One
JT  - PloS one
JID - 101285081
SB  - IM
MH  - *Health Literacy
MH  - Humans
MH  - Insurance, Health
MH  - Netherlands
MH  - Psychometrics
MH  - Reproducibility of Results
MH  - Surveys and Questionnaires
MH  - *Translations
MH  - United States
PMC - PMC9436109
COIS- The authors have declared that no competing interests exist.
EDAT- 2022/09/02 06:00
MHDA- 2022/09/09 06:00
PMCR- 2022/09/01
CRDT- 2022/09/01 13:54
PHST- 2021/02/16 00:00 [received]
PHST- 2022/08/19 00:00 [accepted]
PHST- 2022/09/01 13:54 [entrez]
PHST- 2022/09/02 06:00 [pubmed]
PHST- 2022/09/09 06:00 [medline]
PHST- 2022/09/01 00:00 [pmc-release]
AID - PONE-D-21-04288 [pii]
AID - 10.1371/journal.pone.0273996 [doi]
PST - epublish
SO  - PLoS One. 2022 Sep 1;17(9):e0273996. doi: 10.1371/journal.pone.0273996. 
      eCollection 2022.