Early Experience With High-Deductible and Consumer-Driven Health Plans
نویسنده
چکیده
This report presents findings from the EBRI/Commonwealth Fund Consumerism in Health Care Survey, 2006, the second annual version of this survey. The online survey of 3,158 privately insured adults ages 21– 64 was conducted to provide nationally representative data regarding the growth of consumer-directed health plans (CDHPs) and high-deductible health plans (HDHPs), and their impact on the behavior and attitudes of health care consumers.
منابع مشابه
The 2nd annual EBRI/Commonwealth Fund Consumerism in Health Care Survey, 2006: early experience with high-deductible and consumer-driven health plans.
This report presents findings from the EBRI/Commonwealth Fund Consumerism in Health Care Survey, 2006, the second annual version of this survey. The online survey of 3,158 privately insured adults ages 21– 64 was conducted to provide nationally representative data regarding the growth of consumer-directed health plans (CDHPs) and high-deductible health plans (HDHPs), and their impact on the beh...
متن کاملEarly experience with high-deductible and consumer-driven health plans: findings from the EBRI/Commonwealth Fund Consumerism in Health Care Survey.
• The latest “big idea”—Promoting consumerism in health care is the latest big idea in health insurance in the United States. One of the leading manifestations of this is the use of high-deductible health plans with savings accounts, such as health savings accounts (HSAs) and health reimbursement arrangements (HRAs), collectively known as consumer-driven health plans (CDHPs). The first EBRI/Com...
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This paper presents a model of consumer directed health care, high deductible insurance plans. Insurance companies in a competitive market offer such plans; higher deductibles result in lower premiums. Such changes affect consumers’ decisions on preventive care. I show that preventive care may or may not increase when consumers face more risk and lower premium. Furthermore, I look at selection ...
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KEY FINDINGS (1) While consumer-driven health plans (CDHPs) do encourage information seeking behavior, these plans attract individuals who are already activated consumers. (2) The financial incentives inherent in CDHPs cause consumers to decrease utilization of both high and low priority services.(3) Individuals enrolled in high-deductible CDHPs are most likely to discontinue lipid lowering and...
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BACKGROUND Consumer directed health care proposes that patients will engage as informed consumers of health care services by sharing in more of their medical costs, often through deductibles. We examined knowledge of deductible plan details among new enrollees, as well as anticipated care-seeking changes in response to the deductible. METHODS In a large integrated delivery system with a range...
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