Judging Political Hearts and Minds: How Political Dynamics Drive Social Judgments.

We investigated how judgments of political messengers depend upon what would benefit one's preferred candidate. In Study 1a, participants were asked to evaluate the warmth and competence of the writer of a pro- or anti-Obama political message for the 2012 presidential election (Obama/warm; Romney/competent). When judging the messages, warmth was emphasized by Democrats and competence by Republicans. Study 1b replicated these effects for messages about Romney as well. Study 2 examined the 2004 presidential election where perceptions of the party candidates' warmth and competence reversed (Bush/warm; Kerry/competent). There competence was emphasized by Democrats and warmth by Republicans. Study 3 showed that varying the warmth and competence of each party's prospective candidates for the 2016 election influences whether warmth or competence is emphasized by Democrats or Republicans. Thus, differences between Republicans and Democrats in emphasizing warmth or competence reflect a dynamic motivated cognition that is tailored to benefit their preferred candidate.

Can consumers make affordable care affordable? The value of choice architecture.

Tens of millions of people are currently choosing health coverage on a state or federal health insurance exchange as part of the Patient Protection and Affordable Care Act. We examine how well people make these choices, how well they think they do, and what can be done to improve these choices. We conducted 6 experiments asking people to choose the most cost-effective policy using websites modeled on current exchanges. Our results suggest there is significant room for improvement. Without interventions, respondents perform at near chance levels and show a significant bias, overweighting out-of-pocket expenses and deductibles. Financial incentives do not improve performance, and decision-makers do not realize that they are performing poorly. However, performance can be improved quite markedly by providing calculation aids, and by choosing a "smart" default. Implementing these psychologically based principles could save purchasers of policies and taxpayers approximately 10 billion dollars every year.