Health Affairs, 27, no. 4 (2008): 1120-1131 doi: 10.1377/hlthaff.27.4.1120 © 2008 by Project HOPE	New Online   How Would Obama, McCain Cover The Uninsured?   Debating Cost Of Uninsured   Try Medicare-For-All   HA Blog Top 10

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Do Consumer-Directed Health Plans Drive Change In Enrollees’ Health Care Behavior?

Using panel data from two surveys of employees at one large employer from 2004 and 2005, this paper examines consumer-directed health plans’ (CDHPs’) influence on the use of health-related information and health services. We compare enrollees in a high-deductible CDHP, a lower-deductible CDHP, and a preferred provider organization (PPO). Enrollees in the lower-deductible CDHP were more likely than enrollees in the other plans to start using information. Enrollees in the high-deductible CDHP were more likely than those in the PPO to start forgoing medical care to save money.

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				J. Greene, J. Hibbard, J. F. Murray, S. M. Teutsch, and M. L. Berger The Impact Of Consumer-Directed Health Plans On Prescription Drug Use Health Aff., July 1, 2008; 27(4): 1111 - 1119. [Abstract] [Full Text] [PDF]