High-deductible health plans and the new risks of consumer-driven health insurance products

Pediatrics

Volumn 119, Issue 3, 2007, Pages 622-626

  McInerny, Thomas K ^a   Barone II, Charles J ^a   Johnson, Anthony D ^a   Lander, Richard ^a   Mitsunaga, Richard Y ^a   Reuben, Mark S ^a   Walentik, Corrine A ^a   Wegner, Steven E ^a   Werner, Mark J ^a   McManus, Margaret ^a   Salus, Teri ^a  

^a NONE

Author keywords

Consumer driven health plan; Financing; Health savings account; High deductible health plans; Preventive health care

Indexed keywords

HEALTH BEHAVIOR; HEALTH CARE; HEALTH CARE COST; HEALTH EDUCATION; HEALTH INSURANCE; HUMAN; PREVENTIVE MEDICINE; PRIORITY JOURNAL; REVIEW; TAX; TOTAL QUALITY MANAGEMENT;

CONSUMER PARTICIPATION; DEDUCTIBLES AND COINSURANCE; HUMANS; INSURANCE COVERAGE; INSURANCE, HEALTH; PEDIATRICS; PREVENTIVE HEALTH SERVICES; RISK MANAGEMENT; SALARIES AND FRINGE BENEFITS; UNITED STATES;

EID: 33947186654     PISSN: 00314005     EISSN: 02105721     Source Type: Journal    
DOI: 10.1542/peds.2006-3687     Document Type: Review

References (17)

1. Trude S, Conwell L. Rhetoric vs. reality: employer views on consumer-driven health care. Issue Brief Cent Stud Health Syst Change. 2004;86:1-4
2. Kuraitis V, Riedel J. CDHPs + DM = population health? Presented at: Disease Management Association of America Disease Management Leadership Forum; October 17, 2005; San Diego, CA
3. Gabel JR, Lo Sasso AT, Rice T. Consumer-driven health plans: are they more than talk now? Health Aff (Millwood). 2002; (suppl Web exclusives):W395-W407
4. Goff V. Consumer cost sharing in private health insurance: on the threshold of change. Issue Brief Natl Health Policy Forum. 2004;(798):1-19. Available at: www.nhpf.org/pdfs_ib/IB798_CostSharing.pdf. Accessed May 1, 2006
5. Gabel J, Rice T. Insurance Markets: Understanding Consumer-Directed Health Care in California. Oakland, CA: California HealthCare Foundation Trends and Analysis. August 2003. Available at: www.chcf.org/documents/ insurance/ConsumerDirectedHealthCare.pdf. Accessed May 1, 2006
6. American Academy of Actuaries. The Impact of Consumer-Driven Health Plans on Health Care Costs: A Closer Look at Plans With Health Reimbursement Accounts. Public Policy Monograph. Washington, DC: American Academy of Actuaries; 2004. Available at: www.actuary.org/pdf/health/cdhp_jan04.pdf. Accessed May 1, 2006
7. McManus P. Consumer-driven health care. Presented at: American Academy of Pediatrics National Conference & Exhibition; October 9, 2005; Washington, DC
8. Kaiser Family Foundation, Health Research and Education Trust. Employer health benefits 2005 annual survey. Available at: www.kff.org/insurance/ chcm091405nr.cfm. Accessed May 1, 2006
9. US Treasury Notice 2004-23. Internal Revenue Code, Section 223(c)(2). Available at: www.ustreas.gov/press/releases/reports/notice200423.pdf. Accessed May 1, 2006
10. Gustafson BM. On the road to consumer-driven health care. Healthc Financ Manage. 2003;57(9):46-48
11. Christianson JB, Parente ST, Feldman R. Consumer experiences in a consumer-driven health plan. Health Serv Res. 2004;39(4):1123-1140
12. National Health Leadership Council. Consumer-driven health care: solution or stopgap measure? Presented at: the National Business Coalition on Health National Health Leadership Council Meeting; August 13-15, 2003; San Diego, CA. Available at: www.nbch.org/documents/cdhc1103.pdf. Accessed May 1, 2006
13. Gauthier AK, Clancy CM. Consumer-driven health care: beyond rhetoric with research and experience. Health Serv Res. 2004;39(4):1049-1054
14. Parente ST, Feldman R, Christianson JB. Evaluation of the effect of a consumer-driven health plan on medical care expenditures and utilization. Health Serv Res. 2004;39(4):1189-1210
15. Mulligan K. Consumer-driven health plans not total answer to system fix. Psychiatric News. 2004;39:8. Available at: http://pn.psychiatryonline. org/cgi/content/full/39/18/8. Accessed May 1, 2006
16. US Government Accountability Office. Consumer-Directed Health Plans: Small but Growing Enrollment Fueled by Rising Cost of Health Care Coverage. Washington, DC: US Government Accountability Office; 2006
17. Hummel J, Singh SP. Preparing for consumerism: the top 10 - health plans and providers alike should prepare for consumerdriven health plans with this list of 10 strategic imperatives. Health Manag Technol. 2004;25(10):60, 62, 64