Market watch: Who chooses a consumer-directed health plan?

Colleen L. Barry; Mark R. Cullen; Deron Galusha; Martin D. Slade; Susan H. Busch

doi:10.1377/hlthaff.27.6.1671

Market watch: Who chooses a consumer-directed health plan?

Colleen L. Barry, Mark R. Cullen, Deron Galusha, Martin D. Slade, Susan H. Busch

Research output: Contribution to journal › Article › peer-review

15 Scopus citations

Abstract

Consumer-directed health plans (CDHPs) hold the promise of reining in health spending by giving consumers a greater stake in health care purchasing, yet little is known about employers' experience with these products. In examining the characteristics of those selecting a CDHP offered by one large employer, we found stronger evidence of selection than has been identified in prior research. Our findings suggest that in the context of plan choice, CDHPs may offer little opportunity to greatly lower employers' cost burden, and they highlight concerns about the potential for risk segmentation and the value of conferring preferential tax treatment to CDHPs.

Original language	English (US)
Pages (from-to)	1671-1679
Number of pages	9
Journal	Health Affairs
Volume	27
Issue number	6
DOIs	https://doi.org/10.1377/hlthaff.27.6.1671
State	Published - Nov 2008
Externally published	Yes

ASJC Scopus subject areas

General Medicine

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10.1377/hlthaff.27.6.1671

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title = "Market watch: Who chooses a consumer-directed health plan?",

abstract = "Consumer-directed health plans (CDHPs) hold the promise of reining in health spending by giving consumers a greater stake in health care purchasing, yet little is known about employers' experience with these products. In examining the characteristics of those selecting a CDHP offered by one large employer, we found stronger evidence of selection than has been identified in prior research. Our findings suggest that in the context of plan choice, CDHPs may offer little opportunity to greatly lower employers' cost burden, and they highlight concerns about the potential for risk segmentation and the value of conferring preferential tax treatment to CDHPs.",

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AB - Consumer-directed health plans (CDHPs) hold the promise of reining in health spending by giving consumers a greater stake in health care purchasing, yet little is known about employers' experience with these products. In examining the characteristics of those selecting a CDHP offered by one large employer, we found stronger evidence of selection than has been identified in prior research. Our findings suggest that in the context of plan choice, CDHPs may offer little opportunity to greatly lower employers' cost burden, and they highlight concerns about the potential for risk segmentation and the value of conferring preferential tax treatment to CDHPs.

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Market watch: Who chooses a consumer-directed health plan?

Abstract

ASJC Scopus subject areas

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