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Do consumer-directed health plans drive change in enrollees' health care behavior?



Do consumer-directed health plans drive change in enrollees' health care behavior?



Health Affairs 27(4): 1120-1131



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.

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Accession: 052677166

Download citation: RISBibTeXText

PMID: 18607046

DOI: 10.1377/hlthaff.27.4.1120


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