title: How valid are the assumptions underlying consumer-driven health plans?
abstract: (1) While consumer-driven health plans (CDHPs) do encourage information seeking behavior, these plans attract individuals who are already activated consumers. (2) The financial incentives inherent in CDHPs cause consumers to decrease utilization of both high and low priority services.(3) Individuals enrolled in high-deductible CDHPs are most likely to discontinue lipid lowering and antihypertensive drugs after enrolling in a CDHP.(4) There is no significant difference in initiation of generic drug use across health plans, with the exception of antidepressants.
authors.affiliation: AcademyHealth, USA. jenny.minott@academy health.org
authors.forename: Jenny
authors.initials: J
authors.lastname: Minott
mesh_terms: D000959:Antihypertensive Agents / Q000627:therapeutic use*; D003256:Community Participation; D017047:Cost Sharing; D003362:Cost-Benefit Analysis; D003657:Decision Making; D003669:Deductibles and Coinsurance; D003695:Delivery of Health Care / Q000191:economics / Q000379:methods / Q000706:statistics & numerical data; D004363:Drug Utilization; D016568:Drugs, Generic / Q000627:therapeutic use*; D019317:Evidence-Based Medicine; D015438:Health Behavior; D006264:Health Benefit Plans, Employee; D017048:Health Care Costs; D006296:Health Services / Q000706:statistics & numerical data*; D006801:Humans; D000960:Hypolipidemic Agents / Q000627:therapeutic use*; D008137:Longitudinal Studies; D014481:United States
chemical_list: D000959:Antihypertensive Agents; D016568:Drugs, Generic; D000960:Hypolipidemic Agents