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.
Dixon
Anna
A
King's Fund in London. a.dixon@kingsfund.org.uk
Greene
Jessica
J
Hibbard
Judith
J
D003256:Community Participation; D017046:Cost Savings; D003669:Deductibles and Coinsurance; D006264:Health Benefit Plans, Employee; D006296:Health Services / Q000706:statistics & numerical data*; D006301:Health Services Needs and Demand; D006801:Humans; D008137:Longitudinal Studies; D020402:Medical Savings Accounts; D019982:Organizational Case Studies; D014481:United States