Which consumers are ready for consumer-directed health plans?
Purchase on Springer.com
$39.95 / €34.95 / £29.95*
Rent the article at a discountRent now
* Final gross prices may vary according to local VAT.
Consumer Directed Health Plans (CDHPs) are new and increasingly popular insurance products in the United States that aim to increase consumer involvement in health care decision-making. Using quantitative and qualitative methods, we examine characteristics of employees in a large firm that voluntarily enroll in CDHPs. We find salaried and hourly high deductible CDHP enrollees to be substantially healthier and have higher educational attainment than Preferred Provider Organizations (PPO) enrollees. There was less favorable selection into a more popular, lower deductible CDHP.
- Agrawal, V., Ehrbeck, T., O’Neill Packard, K., & Mango, P. (2005). Consumer-directed health plan report -early evidence is promising. Pittsburgh: McKinsey & Company.
- Bureau of the Census (2000). Census 2000 Summary File 3 (SF3). Retrieved October 5, 2000, from http://www.census.gov/Press-Release/www/2002/sumfile3.html.
- Bush, G. (2006). Fact sheet: Health savings accounts: Myth vs. fact. Washington, DC: The White House. Retrieved April 5, 2006, from http://www.whitehouse.gov/news/releases/2006/04/20060405-3.html.
- Christianson, J. B., Parente, S. T., & Feldman, R. (2004). Consumer experiences in a consumer-driven health plan. Health Services Research, 39, 1123–1140. CrossRef
- Cross, M. (2005). Turning the corner: Momentum shifts toward consumer-directed plans [Electronic version]. Managed Care, 14(7), 28–36.
- Davis, K. (2004). Consumer-directed health care: Will it improve health system performance? Health Services Research, 39, 1219–1234. CrossRef
- Davis, K., Doty, M., & Ho, A. (2005). How high is too high? Implications of high-deductible health plans. New York, NY: The Commonwealth Fund.
- Fowles, J. B., Kind, E. A., Braun, B. L., & Bertko, J. (2004). Early experience with employee choice of consumer-directed health plans and satisfaction with enrollment. Health Services Research, 39, 1141–1158. CrossRef
- Frates, J., & Severoni, E. (2005). Consumer-directed health plans: Enrollee views, early employer experience [Electronic version]. Managed Care, 14(6), 58–65.
- Fronstin, P., & Collins, S. (2005). Early experience with high-deductible and consumer-driven health plans. Findings from the EBRI/Commonwealth Fund consumerism in health care survey, Issue Brief 288. New York, NY: EBRI.
- Herzlinger, R. (2002). Let’s put consumers in charge of health care. Harvard Business Review, July, pp. 44–55.
- Herzlinger, R., & Nerney, T. (2005). Medicine for Medicaid. Wall Street Journal, August 2, p. A. 10.
- Hibbard, J. H., Mahoney, E. R., Stockard, J., & Tusler, M. (2005). Development and testing of a short form of the patient activation measure. Health Services Research, 40, 1918–1930. CrossRef
- Hibbard, J. H., Stockard, J., Mahoney, E. R., & Tusler, M. (2004). Development of the patient activation measure (PAM): Conceptualizing and measuring activation in patients and consumers. Health Services Research, 39, 1005–1026. CrossRef
- Lo Sasso, A. T., Rice, T., Gabel, J. R., & Whitmore, H. (2004). Tales from the new frontier: Pioneers’ experiences with consumer-driven health care. Health Services Research, 39, 1071–1090. CrossRef
- Mcneill, D. (2004). Do consumer-directed health benefits favor the young and healthy? Health Affairs, 23(1), 186–193. CrossRef
- Miles, M., & Huberman, A. M. (1994). Qualitative data analysis. London: Sage Publishers.
- Newhouse J. P., & The Insurance Experiment Group (1996). Free for all? Lessons from the RAND health insurance experiment. Cambridge, MA: Harvard University Press.
- Parente, S. T., Feldman, R., & Christianson, J. B. (2004). Employee choice of consumer-driven health insurance in a multiplan, multiproduct setting. Health Services Research, 39, 1091–1112. CrossRef
- Raniszewski Herrera, C. (2006). Pressure for market-based Medicaid reform rises. Budget and Tax News, Article 19069. Retrieved 19 June, 2006, from http://www.heartland.org/Article.cfm?artId=19069.
- Robinson, J. C. (2004). Reinvention of health insurance in the consumer era. Journal of the American Medical Association, 291, 1880–1886. CrossRef
- Robinson, J. C. (2005). Health savings accounts—the ownership society in health care. The New England Journal of Medicine, 353, 1199–1202. CrossRef
- Scandlen, G. (2004). Commentary—how consumer-driven health care evolves in a dynamic market. Health Services Research, 39, 1113–1118. CrossRef
- Shearer, G. (2004). Commentary—defined contribution health plans: Attracting the healthy and well-off. Health Services Research, 39, 1159–1166. CrossRef
- Tollen, L. A., Ross, M. N., & Poor, S. (2004). Risk segmentation related to the offering of a consumer-directed health plan: A case study of Humana inc. Health Services Research, 39, 1167–1188. CrossRef
- United States Department of Health and Human Services (2005). Summary health statistics for U.S. adults: National Health Interview Survey, 2003. DHHS Publication No. 2005–1553. Hyattsville, MD: Health and Human Services Department, Centers for Disease Control and Prevention, National Center for Health Statistics.
- United States Government Accountability Office (2006a). Consumer-directed health plans: Small but growing enrollment fueled by rising cost of health care coverage [Electronic version]. Report no. GAO-06–514. Washington, DC: US Government Accountability Office. (April 28, 2006).
- United States Government Accountability Office (2006b). Federal Employees Health Benefits Program: First year experience with high deductible health plans and health savings accounts [Electronic version]. Report no. GAO-06-271. Washington, DC : US Government Accountability Office. (January 31, 2006).
- Uyoo, H., & Chovan, T. (2005). Number of HSA plans exceeded 1 million in March 2005. America’s health insurance plans. Washington, DC: Center for Policy and Research. Retrieved June 10, 2006, from http://www.healthdecisions.org/HSA/.
- Which consumers are ready for consumer-directed health plans?
Journal of Consumer Policy
Volume 29, Issue 3 , pp 247-262
- Cover Date
- Print ISSN
- Online ISSN
- Kluwer Academic Publishers-Plenum Publishers
- Additional Links
- Consumer-directed health plan
- Consumer-driven health plan
- High deductible health plan
- Health Reimbursement Accounts
- Health Savings Accounts
- Health insurance
- Industry Sectors