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Author: Ruchira Mahashabde Publisher: ISBN: Category : Languages : en Pages : 37
Book Description
Objective: To investigate the effects of High Deductible Health Plans paired with a Health Savings Account on the healthcare expenditure and health services utilization. Methods: Data from the 2014 and 2015 Medical Expenditure Panel Survey was analyzed. Subjects enrolled in a Consumer Directed Health Plan (CDHP) were compared with subjects enrolled in non-CDHP after matching. A Chi-square analysis was conducted to assess frequency distribution of subjects in the treatment group as compared to the control. The control group was weighted using propensity score weights to match treatment group. The difference in the healthcare expenditures between the two groups was estimated using a Wilcoxon sign rank test and independent sample t-test. The effect of CDHP enrollment on health services utilization was estimated using a regression model. Results: The total sample population was 2132. The CDHP group was found to have a higher proportion of White, Non-Hispanics with high level of education and high family income as compared to the control group. A significant difference was found between the out-of-pocket costs (OOP) (p=0.0004) and the overall healthcare expenditure (p=0.0119) with the CDHP group having higher costs. There was no significant association between low or high use of health services. Conclusion: The findings suggest that CDHPs might not be fulfilling their required goal of reducing healthcare expenditure as well use of unnecessary care.
Author: Ruchira Mahashabde Publisher: ISBN: Category : Languages : en Pages : 37
Book Description
Objective: To investigate the effects of High Deductible Health Plans paired with a Health Savings Account on the healthcare expenditure and health services utilization. Methods: Data from the 2014 and 2015 Medical Expenditure Panel Survey was analyzed. Subjects enrolled in a Consumer Directed Health Plan (CDHP) were compared with subjects enrolled in non-CDHP after matching. A Chi-square analysis was conducted to assess frequency distribution of subjects in the treatment group as compared to the control. The control group was weighted using propensity score weights to match treatment group. The difference in the healthcare expenditures between the two groups was estimated using a Wilcoxon sign rank test and independent sample t-test. The effect of CDHP enrollment on health services utilization was estimated using a regression model. Results: The total sample population was 2132. The CDHP group was found to have a higher proportion of White, Non-Hispanics with high level of education and high family income as compared to the control group. A significant difference was found between the out-of-pocket costs (OOP) (p=0.0004) and the overall healthcare expenditure (p=0.0119) with the CDHP group having higher costs. There was no significant association between low or high use of health services. Conclusion: The findings suggest that CDHPs might not be fulfilling their required goal of reducing healthcare expenditure as well use of unnecessary care.
Author: Stephen L. Parente Publisher: ISBN: Category : Languages : en Pages : 0
Book Description
Objective: To compare medical care costs and utilization in a consumer directed health plan (CDHP) to other health insurance plans. Study Design: We examine claims and employee demographic data from one large employer that adopted a CDHP in 2001. A quasi-experimental pre/post design is used to assign employees to three cohorts: 1) enrolled in an HMO from 2000 to 2002, 2) enrolled in a PPO from 2000 to 2002, or 3) enrolled in a CDHP in 2001 and 2002, after previously enrolling in either an HMO or PPO in 2000. Using this approach we estimate a difference-in-difference regression model for expenditure and utilization measures to identify the impact of CDHP. Principal Findings: By 2002, the CDHP cohort experienced lower total expenditures than the PPO cohort but higher expenditures than the HMO cohort. Physician visits and pharmaceutical use and costs were lower in the CDHP cohort compared to the other groups. Hospital costs and admission rates, for CDHP enrollees, as well as total physician expenditures, were significantly higher than for enrollees in the HMO and PPO plans. Conclusions: An early evaluation of CDHP expenditure and utilization reveals that the new health plan is a viable alternative to existing health plan designs. Enrollees in the CDHP have lower total expenditures than PPO enrollees, but higher utilization of resource-intensive hospital admissions after an initially favorable selection.
Author: Institute of Medicine Publisher: National Academies Press ISBN: 0309083435 Category : Medical Languages : en Pages : 213
Book Description
Many Americans believe that people who lack health insurance somehow get the care they really need. Care Without Coverage examines the real consequences for adults who lack health insurance. The study presents findings in the areas of prevention and screening, cancer, chronic illness, hospital-based care, and general health status. The committee looked at the consequences of being uninsured for people suffering from cancer, diabetes, HIV infection and AIDS, heart and kidney disease, mental illness, traumatic injuries, and heart attacks. It focused on the roughly 30 million-one in seven-working-age Americans without health insurance. This group does not include the population over 65 that is covered by Medicare or the nearly 10 million children who are uninsured in this country. The main findings of the report are that working-age Americans without health insurance are more likely to receive too little medical care and receive it too late; be sicker and die sooner; and receive poorer care when they are in the hospital, even for acute situations like a motor vehicle crash.
Author: United States Government Accountability Office Publisher: Createspace Independent Publishing Platform ISBN: 9781976431760 Category : Languages : en Pages : 38
Book Description
Insurance carriers, employers, and individuals are showing increasing interest in consumer-directed health plans (CDHP). CDHPs typically combine a high-deductible health plan with a health reimbursement arrangement (HRA) or health savings account (HSA). HRAs and HSAs are tax-advantaged accounts used to pay enrollees' health care expenses, and unused balances may accrue for future use, potentially giving enrollees an incentive to purchase health care more prudently. The plans also provide decision-support tools to help enrollees become more actively involved in making health care purchasing decisions. Because CDHPs are relatively new, there is interest in the extent of enrollment and in other aspects of the plans. GAO was asked to review the prevalence of CDHPs, how the associated accounts are funded and used, and the factors that may contribute to the growth or limit the appeal of these plans. GAO examined survey data on CDHP enrollment and interviewed or obtained data from employers, insurance carriers, individuals, financial institutions, and other
Author: Anthony T. Lo Sasso Publisher: ISBN: Category : Consumer-driven health care Languages : en Pages : 28
Book Description
We use unique data from an insurer that exclusively offers high-deductible, "consumer-directed" health plans to identify the effect of plan features, notably the spending account, on health care spending. Our results show that the marginal dollar in the spending account is entirely spent on outpatient and pharmacy services. In contrast, inpatient and out-of-pocket spending were not responsive to the amount in the spending account. Our results represent the first plausibly causal estimates of the components of consumer-driven health plans on health spending. The magnitudes of the effects suggest important moral hazard consequences to higher spending account levels.
Author: National Academies of Sciences, Engineering, and Medicine Publisher: National Academies Press ISBN: 030946921X Category : Medical Languages : en Pages : 161
Book Description
The Social Security Administration (SSA) administers two programs that provide benefits based on disability: the Social Security Disability Insurance (SSDI) program and the Supplemental Security Income (SSI) program. This report analyzes health care utilizations as they relate to impairment severity and SSA's definition of disability. Health Care Utilization as a Proxy in Disability Determination identifies types of utilizations that might be good proxies for "listing-level" severity; that is, what represents an impairment, or combination of impairments, that are severe enough to prevent a person from doing any gainful activity, regardless of age, education, or work experience.
Author: Office, U.s. Government Accountability Publisher: ISBN: 9781974620739 Category : Languages : en Pages : 48
Book Description
"Consumer-directed health plans (CDHP) combine a high-deductible health plan with a tax-advantaged account, such as a health reimbursement arrangement (HRA), that enrollees can use to pay for health care expenses. In an effort to restrain cost growth, several employers, including the federal government through its Office of Personnel Management (OPM), have offered HRAs for several years.For enrollees in HRAs compared with those in traditional plans such as preferred provider organization (PPO) plans, GAO assessed (1) differences in health status, and (2) changes in spending and utilization of health care services. GAO analyzed data from two large employers-one public and one private-that introduced an HRA option in 2003. GAO compared changes in health spending and utilization before and after 2003 for enrollees who switched from a PPO into an HRA (the HRA group) with those who stayed in a PPO (the PPO group). At the time GAO made its data requests to each employer, 2007 data from the public employer and 2005 data from the private employer were the most current and complete data available. GAO also reviewed published studies that included an assessment of the health status, spending, or utilization of HRA and other CDHP enrollees compared..."
Author: Peter J. Huckfeldt Publisher: ISBN: Category : Consumer satisfaction Languages : en Pages : 0
Book Description
Prior studies suggest that consumer-directed health plans (CDHPs) -characterized by high deductibles and health care accounts- reduce health costs, but there is concern that enrollees indiscriminately reduce use of low-value services (e.g., unnecessary emergency department use) and high-value services (e.g., preventive care). We investigate how CDHP enrollees change use of pharmaceuticals for chronic diseases. We compare two large firms where nearly all employees were switched to CDHPs to firms with conventional health insurance plans. In the first firm's CDHP, pharmaceuticals were subject to the deductible, while in the second firm pharmaceuticals were exempt. Employees in the first firm shifted the timing of drug purchases to periods with lower cost sharing and were more likely to use lower-cost drugs, but the largest effect of the CDHP was to reduce utilization. Employees in the second firm also reduced utilization, but did not shift the timing or use of low cost drugs.
Author: Ruchira Mahashabde
Author: Ruchira Mahashabde
Author: Philip Ellis
Author: Stephen L. Parente
Author: Institute of Medicine
Author: United States Government Accountability Office
Author: 
Author: Anthony T. Lo Sasso
Author: National Academies of Sciences, Engineering, and Medicine
Author: Office, U.s. Government Accountability
Author: Peter J. Huckfeldt