Health Affairs, 23, no. 1 (2004): 186-193 doi: 10.1377/hlthaff.23.1.186 © 2004 by Project HOPE	New Online   House Health Reform Bill   Paying for Reform   Vetting AHIP's Report   HIV/AIDS Costs   Brief: Insurance Reform   HA Blog Top 10

This Article Figures Only Full Text (HTML) Reprint (PDF) Submit a response to this article Alert me when this article is cited Alert me when Comments are posted Alert me if a correction is posted Services E-mail this article to a friend Similar articles in this journal Similar articles in Web of Science Similar articles in PubMed Alert me to new issues of the journal Add to My Personal Archive Download to Citation Manager Reprints & Permissions Citing Articles Citing Articles via HighWire Citing Articles via Web of Science (7) Citing Articles via Google Scholar Google Scholar Articles by McNeill, D. Search for Related Content PubMed PubMed Citation Articles by McNeill, D. Related Collections Insurance Coverage Business Of Health Consumer Issues

Health Tracking

MARKETWATCH

Do Consumer-Directed Health Benefits Favor The Young And Healthy?

This paper demonstrates through a simulation and demographic analysis of consumers’ out-of-pocket payments for premiums and medical care that the young and healthy are potential winners with consumer-directed health benefits (CDHBs), and the moderately sick are the losers. However, benefit design constraints and job tenure realities limit the savings opportunities for the young. As employee cost sharing continues unabated, one potential remedy is to cap expenses as a percentage of income, thereby placing a limit on the burden to the sick and ensuring that all Americans share the burden equally according to ability to pay.

                      What's this?

This article has been cited by other articles:

				D. M. Herrick Consumer-Driven Health Care: The Changing Nature of Health Insurance American Journal of Lifestyle Medicine, September 1, 2009; 3(5): 394 - 406. [Abstract] [PDF]

				A. Dixon, J. Greene, and J. Hibbard Do Consumer-Directed Health Plans Drive Change In Enrollees' Health Care Behavior? Health Aff., July 1, 2008; 27(4): 1120 - 1131. [Abstract] [Full Text] [PDF]