Health Savings Accounts: Implications for Health Spending
نویسندگان
چکیده
منابع مشابه
Health Savings Accounts: Implications for Health Spending
Enrollment in Health Savings Accounts (HSAs) and the high deductible health insurance plans that go with them is increasing rapidly. The accounts benefit from favorable tax status, and President Bush has proposed further expanding tax incentives that favor HSAs. The goal of these policies is to encourage more efficient use of health care resources by improving consumer incentives. This could re...
متن کاملHealth savings accounts and health care spending.
OBJECTIVE The impact of consumer-driven health plans (CDHPs) has primarily been studied in a small number of large, self-insured employers, but this work may not generalize to the wide array of firms that make up the overall economy. The goal of our research is to examine effects of health savings accounts (HSAs) on total, medical, and pharmacy spending for a large number of small and midsized ...
متن کاملHealth Savings Accounts
2/9/06 2:08:34 PM Health savings accounts, or HSAs, are a new health insurance option that became available in 2004. HSAs couple a tax-preferred savings account (the HSA) with high-deductible health insurance. Enrollees or their employers, or both, make tax-free contributions to the HSA. Enrollees use the funds in their HSAs to purchase medical care until they reach their deductibles. At that p...
متن کاملImpact of health savings accounts on precautionary savings, demand for health insurance and prevention effort.
The paper examines the influence of health savings accounts (HSAs) on optimal savings, insurance demand and prevention effort over the course of a lifetime. This paper adds to the literature by investigating HSAs as both a form of insurance and as saving vehicle in an expected utility framework. Assuming no regulatory constraints on the deductible, we show that individuals voluntarily choose a ...
متن کاملHealth Savings Accounts and High-Deductible Health Insurance Plans
A small percentage of the population accounts for a • large share of total health care spending, so significantly decreasing health care spending will require substantially lowering the spending associated with high users of medical services. However, the high–deductible/HSA plan approach is not well designed for lowering the spending of the high-cost population in a manner that does not negati...
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ژورنال
عنوان ژورنال: National Tax Journal
سال: 2006
ISSN: 0028-0283,1944-7477
DOI: 10.17310/ntj.2006.3.04