Effects of cost sharing in health insurance on disability days.
We assess how cost sharing for medical services affects restricted activity days (RADs) and work loss disability days (WLDs), using data from a controlled experiment. We grouped the experimental insurance plans into four categories, one providing free care and the other three requiring varying amounts of cost sharing. RADs per person per year decreased by one to two days with greater cost sharing, with the strongest effects among those of average or poor health status, especially the non-poor. Unlike RADs, WLDs showed no systematic differences by plan.
Rogers
W H
WH
RAND Corporation, Santa Monica, CA.
O'Rourke
T W
TW
Ware
J E
JE
Brook
R H
RH
Newhouse
J P
JP
D000041:Absenteeism; D003669:Deductibles and Coinsurance / Q000706:statistics & numerical data*; D004185:Disability Evaluation; D005192:Family Health; D006302:Health Services Research / Q000379:methods; D006304:Health Status; D007182:Income / Q000706:statistics & numerical data; D007348:Insurance, Health / Q000458:organization & administration*; D011795:Surveys and Questionnaires; D014481:United States