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October 2012
2012-11-01T10:21:44.185-04:00
reports
reports
2012
Foundation
2012-11-01T11:25:17.703-04:00
Penny Bolla
pdf
Completed
1
goals:117
grantmaking_interventions:637
grantmaking_interventions:637/262
grantmaking_interventions:637/647
grantmaking_interventions_pct:657
old_program_areas_for_web:139
program_areas:1139
topics:260
topics:350
topics:416
topics:425
topics:661
types_of_support:277
0
1
/content/farm/workflow/model/workflow_re
0
No. 24
1291
penny.m.bolla
<p>
The managed care backlash of the 1990s combined with rising health expenditures led to the creation of consumer-directed health plans (CDHPs), which place greater responsibility for health care decision-making in the hands of consumers. CDHPs are intended to reduce health care spending by exposing consumers to the financial implications of their treatment decisions. CDHPs have grown in popularity since their inception, now enrolling about 17 percent of people with employer-sponsored insurance.</p>
<p>
</p>
<p>
On average, CDHPs have reduced health care spending, with savings ranging from 5 to 14 percent. Savings are driven primarily by reductions in spending on pharmaceuticals and outpatient visits, and are concentrated among healthier enrollees. While some studies find that CDHP enrollees reduce the use of health care services indiscriminately, other studies find that the reductions are primarily among visits for low severity conditions. There is no evidence on the effect of CDHPs on health outcomes. CDHPs tend to attract higher income, more educated enrollees, but there is no evidence that CDHPs have led to risk segmentation resulting in eroded insurance coverage. At this time, almost all the evidence on CDHPs is from large, self-insured employers for whom favorable selection into a CDHP is not necessarily problematic.</p>
Reports
402405
Penny Bolla
Reports
/content/farm/workflow/instance/2012/10/rwjf402405/wf_0
penny.m.bolla
0
2012-10-01T00:00-04:00
2155004
1
foundation
Bundorf MK
1291
Do They Deliver?
English
0
2012-11-01T10:19:08.39-04:00
2012-11-01T11:01:35.692-04:00
0
The Synthesis Project
Published
english
2012-11-01T11:25:17.705-04:00
rwjf402405
Robert Wood Johnson Foundation
material_multiple
published
Consumer-directed Health Plans
68234
FINAL CDHP_Report.pdf
0
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2155004
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