Health care spending after adopting a full-replacement, high-deductible health plan with a health savings account: a five-year study.
نویسندگان
چکیده
The introduction of the full-replacement HSA plan reduced total spending by 25 percent in the first year. Each category of health spending experienced statistically significant reductions in the first year of the HSA plan with the exception of spending on inpatient hospital stays. Spending on laboratory services and prescription drugs had the largest statistically significant declines (36 percent and 32 percent, respectively).
منابع مشابه
Consumer-directed health care for persons under 65 years of age with private health insurance: United States, 2007.
Data from the National Health Interview Survey. In 2007, 17.3% of persons under 65 years of age with private health insurance were enrolled in a high deductible health plan (HDHP), 4.5% were enrolled in a consumer-directed health plan (CDHP), and 14.8% were in a family with a flexible spending account for medical expenses (FSA); Persons with directly purchased private health insurance were more...
متن کاملThe Impact of an HSA-Eligible Health Plan on Health Care Services Use and Spending by Worker Income.
This study examines whether there is variation by worker income on how an HSA-eligible health plan affects health care services use and spending. Does the typically flat-dollar gap between a health plan’s deductible and the employer contribution to a health savings account (HSA) have a bigger impact on the use of health care services among lowerincome workers than it does for higher-income work...
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...
متن کاملHOW EMPLOYEE EARNINGS ARE ASSOCIATED WITH CDHP PLAN CHOICE by David William Jordan
Health Reimbursement Accounts (HRA) and Health Savings Account (HSA) eligible High Deductible Health Plans (HDHP)s emerged as new health care insurance models referred to as Consumer Directed Health Plans (CDHPs) in the early 2000s. The purpose of this study is to examine the association between enrollees’ level of earnings and plan choice when a Managed Care PPO, HRA, and HSA eligible HDHP are...
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 ...
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عنوان ژورنال:
- EBRI issue brief
دوره 388 شماره
صفحات -
تاریخ انتشار 2013