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Which consumers are ready for consumer-directed health plans?

Author

Listed:
  • Jessica Greene
  • Judith Hibbard
  • Anna Dixon
  • Martin Tusler

Abstract

Consumer Directed Health Plans (CDHPs) are new and increasingly popular insurance products in the United States that aim to increase consumer involvement in health care decision-making. Using quantitative and qualitative methods, we examine characteristics of employees in a large firm that voluntarily enroll in CDHPs. We find salaried and hourly high deductible CDHP enrollees to be substantially healthier and have higher educational attainment than Preferred Provider Organizations (PPO) enrollees. There was less favorable selection into a more popular, lower deductible CDHP. Copyright Springer Science+Business Media B.V. 2006

Suggested Citation

  • Jessica Greene & Judith Hibbard & Anna Dixon & Martin Tusler, 2006. "Which consumers are ready for consumer-directed health plans?," Journal of Consumer Policy, Springer, vol. 29(3), pages 247-262, September.
    • Handle: RePEc:kap:jcopol:v:29:y:2006:i:3:p:247-262
    DOI: 10.1007/s10603-006-9008-z
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    Citations

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    Cited by:

    1. Wouters, Olivier J. & Cylus, Jonathan & Yang, Wei & Thomson, Sarah & McKee, Martin, 2016. "Medical savings accounts: assessing their impact on efficiency, equity, and financial protection in health care," LSE Research Online Documents on Economics 65448, London School of Economics and Political Science, LSE Library.
    2. Juergen Jung & Chung Tran, 2008. "The Macroeconomics of Health Savings Accounts," CAEPR Working Papers 2007-023, Center for Applied Economics and Policy Research, Department of Economics, Indiana University Bloomington.
    3. M. Kate Bundorf, 2016. "Consumer-Directed Health Plans: A Review Of The Evidence," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 83(1), pages 9-41, January.
    4. Rabideau, Brendan & Eisenberg, Matthew D. & Reid, Rachel & Sood, Neeraj, 2021. "Effects of employer-offered high-deductible plans on low-value spending in the privately insured population," Journal of Health Economics, Elsevier, vol. 76(C).
    5. Ye, Jinqi, 2015. "The effect of Health Savings Accounts on group health insurance coverage," Journal of Health Economics, Elsevier, vol. 44(C), pages 238-254.
    6. Richard Peter & Sebastian Soika & Petra Steinorth, 2016. "Health Insurance, Health Savings Accounts and Healthcare Utilization," Health Economics, John Wiley & Sons, Ltd., vol. 25(3), pages 357-371, March.
    7. Steinorth, Petra, 2011. "Impact of health savings accounts on precautionary savings, demand for health insurance and prevention effort," Journal of Health Economics, Elsevier, vol. 30(2), pages 458-465, March.

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