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Consumer-directed health plans: new evidence on spending and utilization



Consumer-directed health plans: new evidence on spending and utilization



Inquiry 44(1): 26-40



This study examined three-year spending and utilization trends associated with enrollment in a consumer-directed health plan (CDHP) offered by a large employer alongside a preferred provider organization (PPO) and a point-of-service (POS) plan. The CDHP cohort spent considerably more money on hospital care than the POS cohort. Results found evidence of pent-up demand in the CDHP, but not enough to explain the spending trend. Lower prescription drug spending--where the CDHP modestly controlled allowable costs--was associated with less hospital and emergency room use in following periods. Findings suggest the CDHP had too little out-of-pocket cost-sharing to control medical spending.

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Accession: 052315069

Download citation: RISBibTeXText

PMID: 17583260

DOI: 10.2307/29773287


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