Unbiased Analysis of Today's Healthcare Issues

Do HDHPs save money?

This is the question that Zhang et al. (2017) attempt to answer using data form people who switched to a high-deductible health plan (HDHP) compared to those who stayed in the same plan.  They found: After enrollment in HDHPs, 28 percent of enrollees changed physicians for office visits (compared to 19 percent in the Traditional […]

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How do CDHPs affect Pharmaceutical Spending and Utilization

Recently, health insurers have been more likely to offer a tiered copayment structure to enrollees. Patients face low co-payments for generic drugs, higher copayments for “preferred” name-brand drugs, and the highest for name-brand drugs on a “nonpreferred” list. Consumer driven health plans (CDHPs) however offer a simpler payment system. The consumer generally places funds into […]

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CDHPs and Small Business

Consumer directed health plans (CDHP) seem like an attractive option for small businesses. CDHPs utilize high deductible health plans (HDHP) making patients pay more money out of pocket. Because of this, insurance premiums are lower. These HDHPs can be linked to Health Reimbursement Arrangements (HRAs) or Health Savings Accounts (HSAs). Since small businesses do not […]

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