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Patient Responses to Incentives in Consumer-directed Health Plans
Peter J. Huckfeldt
Amelia Haviland
Ateev Mehrotra
Zachary Wagner
Neeraj Sood
其他書名
Evidence from Pharmaceuticals
出版
National Bureau of Economic Research
, 2015
URL
http://books.google.com.hk/books?id=YiiC0AEACAAJ&hl=&source=gbs_api
註釋
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.
