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Consumer-directed health plans: A review of the evidence
Publication
, Journal Article
Bundorf, MK
Published in: Journal of Risk and Insurance
March 1, 2016
The number of people enrolled in consumer-directed health plans (CDHPs) has increased dramatically over the last decade. We review the empirical literature on the effects of CDHPs, which is based on the experience of these plans in the employer-sponsored market. Studies indicate that CDHPs reduce health care spending by approximately 5-15 percent relative to similar plans with lower deductibles and without spending accounts. Spending reductions are concentrated among healthier enrollees and are driven by reductions in the use of outpatient services and pharmaceuticals. There is little evidence on whether they reduce the use of low-value services.
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Published In
Journal of Risk and Insurance
DOI
EISSN
1539-6975
ISSN
0022-4367
Publication Date
March 1, 2016
Volume
83
Issue
1
Start / End Page
9 / 41
Related Subject Headings
- Finance
- 3801 Applied economics
- 3502 Banking, finance and investment
- 1502 Banking, Finance and Investment
Citation
APA
Chicago
ICMJE
MLA
NLM
Bundorf, M. K. (2016). Consumer-directed health plans: A review of the evidence. Journal of Risk and Insurance, 83(1), 9–41. https://doi.org/10.1111/jori.12141
Bundorf, M. K. “Consumer-directed health plans: A review of the evidence.” Journal of Risk and Insurance 83, no. 1 (March 1, 2016): 9–41. https://doi.org/10.1111/jori.12141.
Bundorf MK. Consumer-directed health plans: A review of the evidence. Journal of Risk and Insurance. 2016 Mar 1;83(1):9–41.
Bundorf, M. K. “Consumer-directed health plans: A review of the evidence.” Journal of Risk and Insurance, vol. 83, no. 1, Mar. 2016, pp. 9–41. Scopus, doi:10.1111/jori.12141.
Bundorf MK. Consumer-directed health plans: A review of the evidence. Journal of Risk and Insurance. 2016 Mar 1;83(1):9–41.
![Journal cover image](https://secure.syndetics.com/index.aspx?isbn=/lc.gif&issn=1539-6975&client=dukeuniv)
Published In
Journal of Risk and Insurance
DOI
EISSN
1539-6975
ISSN
0022-4367
Publication Date
March 1, 2016
Volume
83
Issue
1
Start / End Page
9 / 41
Related Subject Headings
- Finance
- 3801 Applied economics
- 3502 Banking, finance and investment
- 1502 Banking, Finance and Investment