Which consumers are ready for consumer-directed health plans?
AbstractConsumer 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
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Bibliographic InfoArticle provided by Springer in its journal Journal of Consumer Policy.
Volume (Year): 29 (2006)
Issue (Month): 3 (September)
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Web page: http://www.springerlink.com/link.asp?id=100283
Consumer-directed health plan; Consumer-driven health plan; High deductible health plan; Health Reimbursement Accounts; Health Savings Accounts; Health insurance;
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- 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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