Consumer-driven health plans: are they more than talk now?
This paper reports marketplace developments for consumer-driven health plans in spring 2002. Findings are from interviews with executives from start-up and health insurance firms, benefit consultants, employee benefit managers, Wall Street analysts, consumer organizations, thought leaders, and policymakers. We detail available evidence about the performance of consumer-driven health plans concerning access to care, risk selection, cost containment, use of information, and legal issues. We find that these health plans are now a central pillar of health insurers' business strategy and that an estimated 1.5 million persons are enrolled in them.
Gabel
Jon R
JR
Health Research and Educational Trust, Washington, DC, USA.
Lo Sasso
Anthony T
AT
Rice
Thomas
T
D003256:Community Participation / Q000191:economics*; D003363:Cost Control; D004465:Economic Competition; D017598:Efficiency, Organizational; D006264:Health Benefit Plans, Employee / Q000191:economics / Q000331:legislation & jurisprudence; D006297:Health Services Accessibility; D006801:Humans; D015273:Insurance Selection Bias