Defined contribution health plans--coming to a payer near you?
In a defined contribution health plan, the employer pays each employee a specified dollar amount as a subsidy for health insurance. The employee gets more control of the health coverage buying decision, choosing from a wide variety of employer-sponsored benefit and network options, and uses the employer dollars to purchase a coverage plan. For medical groups, defined contribution health plans pose a heightened risk of adverse selection and increase the influence of perceived provider quality on market share.
Pollock
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Milliman & Robertson, Inc., 15800 Bluemound Rd., Suite 400, Brookfield, WI 53005-6069, USA.
D003256:Community Participation / Q000191:economics*; D003657:Decision Making; D006123:Group Practice / Q000191:economics / Q000458:organization & administration; D006264:Health Benefit Plans, Employee / Q000191:economics / Q000458:organization & administration / Q000639:trends*; D006801:Humans; D015273:Insurance Selection Bias; D009936:Organizational Innovation; D014481:United States