Consumer-oriented health care reform strategies: A review of the evidence on managed competition and consumer-directed health insurance

Milbank Quarterly

Volumn 87, Issue 4, 2009, Pages 820-841

  Buchmueller, Thomas C ^a  

^a UNIVERSITY OF MICHIGAN   (United States)

Author keywords

Consumer directed; Health insurance; Incentives; Managed competition

Indexed keywords

HEALTH CARE PLANNING; HEALTH CARE POLICY; HEALTH INSURANCE; REVIEW;

CHOICE BEHAVIOR; COMPETITIVE BEHAVIOR; COMPETITIVE MEDICAL PLANS; CONSUMER SATISFACTION; EVIDENCE-BASED PRACTICE; HEALTH CARE REFORM; HUMANS; INSURANCE, HEALTH; MANAGED COMPETITION; MICHIGAN; MOTIVATION; UNITED STATES;

EID: 72449191384     PISSN: 0887378X     EISSN: 14680009     Source Type: Journal    
DOI: 10.1111/j.1468-0009.2009.00580.x     Document Type: Review

References (59)

1. Abraham, J.M., R. Feldman, C. Carlin, and J. Christianson. 2006. The Effect of Quality Information on Consumer Health Plan Switching: Evidence from the Buyers Health Care Action Group. Journal of Health Economics 25 (4 762 781.
2. Altman, D., D.M. Cutler, and R.J. Zeckhauser. 1998. Adverse Selection and Adverse Retention. American Economic Review 88 (2 122 126.
3. Atherly, A., B. Dowd, and R. Feldman. 2004. The Effect of Benefits, Premiums and Health Risk on Health Plan Choice in the Medicare Program. Health Services Research 39 (4 847 864.
4. Barry, C., M.R. Cullen, D. Galusha, M.D. Slade, and S.H. Busch. 2008. Who Chooses a Consumer-Directed Health Plan Health Affairs 27 (6 1671 1679.
5. Beaulieu, N.J. 2002. Quality Information and Consumer Health Plan Choices. Journal of Health Economics 21 (1 43 63.
6. Berk, M., and A.C. Monheit. 2001. The Concentration of Health Care Expenditure, Revisited. Health Affairs 20 (2 9 18.
7. Buchmueller, T.C. 1998. Does a Fixed Dollar Premium Contribution Lower Spending Health Affairs 17 (6 228 235.
8. Buchmueller, T.C. 2000. The Health Plan Choice of Retirees under Managed Competition. Health Services Research 35 (5 949 975.
9. Buchmueller, T.C. 2006. Price and the Health Plan Choices of Retirees. Journal of Health Economics 25 (1 81 101.
10. Buchmueller, T.C., and P.J. Feldstein. 1996. Consumers' Sensitivity to Health Plan Premiums: Evidence from a National Experiment in California. Health Affairs 15 (1 143 151.
11. Buchmueller, T.C., and P.J. Feldstein. 1997. The Effect of Price on Switching among Health Plans. Journal of Health Economics 16 (2 231 247.
12. Cutler, D., and S. Reber. 1998. Paying for Health Insurance: The Trade-off between Competition and Adverse Selection. Quarterly Journal of Economics 113 (2 433 466.
13. Cutler, D., and R.J. Zeckhauser. 1998. Adverse Selection in Health Insurance. Frontiers in Health Policy Research 1 (2 1 31.
14. Davis, K. 2004. Consumer-Directed Health Care: Will It Improve Health System Performance Health Services Research 29 (S1 1219 1234.
15. Dixon, A., J. Greene, and J. Hibbard. 2008. Do Consumer-Directed Health Plans Drive Change in Enrollees' Health Care Behavior Health Affairs 27 (4 1120 1131.
16. Dowd, B., R. Feldman, and R. Coulam. 2003. The Effect of Health Plan Characteristics on Medicare+ Choice Enrollment. Health Services Research 38 (1 113 135.
17. Enthoven, A.C. 1993a. Health Care Costs: A Moral and Economic Problem. California Management Review 35 (2 134 151.
18. Enthoven, A.C. 1993b. The History and Principles of Managed Competition. Health Affairs 12 (S1 24 48.
19. Enthoven, A.C. 1994. The Effects of Managed Competition: Theory and Real World Experience. In Health Policy Reforms: Competition and Controls, edited by R.B. Helms, pp. 218 227. Washington, D.C. : AEI Press.
20. Enthoven, A.C., and B. Talbott. 2004. Stanford University's Experience with Managed Competition. Health Affairs 23 (6 136 140.
21. Enthoven, A.C., and W. van de Ven. 2007. Going Dutch: Managed Competition and Health Insurance in the Netherlands. New England Journal of Medicine 357 (24 2421 2423.
22. Feldman, R., J. Christianson, and J. Schultz. 2000. Do Consumers Use Information to Choose a Health Care Provider System The Milbank Quarterly 78 (1 47 77.
23. Feldman, R., and B. Dowd. 1991. Must Adverse Selection Cause Premium Spirals Journal of Health Economics 10 (3 349 357.
24. Feldman, R., and B. Dowd. 2000. Risk Segmentation: Goal or Problem Journal of Health Economics 19 (4 499 512.
25. Feldman, R., and B. Dowd. 1994. The Effectiveness of Managed Competition in Reducing the Costs of Health Insurance. In Health Policy Reforms: Competition and Controls, edited by R.B. Helms, pp. 176 217. Washington, D.C. : AEI Press.
26. Feldman, R., M. Finch, B. Dowd, and S. Cassou. 1989. The Demand for Employment-Based Health Insurance Plans. Journal of Human Resources 24 (1 115 142.
27. Feldman, R., S.T. Parente, and J.B. Christianson. 2007. Consumer Directed Health Plans: New Evidence on Spending and Utilization. Inquiry 44 (1 26 39.
28. Fowles, J.B., E.A. Kind, B.L. Braun, and J. Bertko. 2004. Early Experience with Employee Choice of Consumer-Directed Health Plans and Satisfaction with Enrollment. Health Services Research 39 (4, pt. 2 1141 1158.
29. Gabel, J.R., A.T. LoSasso, and T. Rice. 2002. Consumer-Directed Health Plans: Are They More Than Talk Now Health Affairs (web), no. 2 : w395 w407.
30. Greene, J., J.H. Hibbard, and A. Dixon. 2006. Which Consumers Are Ready for Consumer-Directed Health Plans Journal of Consumer Policy 29 (3 247 262.
31. Greene, J., J.H. Hibbard, J.F. Murray, S.M. Teutsch, and M.L. Berger. 2008. The Impact of Consumer-Directed Health Plans on Prescription Drug Use. Health Affairs 27 (4 1111 1119.
32. Hill, S.C., and B.L. Wolfe. 1997. Testing the HMO Competitive Strategy: An Analysis of Its Impact on Medical Care Resources. Journal of Health Economics 16 (3 261 286.
33. Keeler, E., J. Malkin, D.P. Goldman, and J.L. Buchanan. 1996. Can Medical Savings Accounts Reduce Non-elderly Health Care Costs Journal of the American Medical Association 275 (21 1666 1671.
34. Kolstad, J., and M. Chernew. 2008. Quality and Consumer Decision Making in the Market for Health Insurance and Health Care Services. Medical Care Research and Review 66 (1 28S 52S.
35. LoSasso, A.T., T. Rice, J. Gabel, and H. Whitmore. 2004. Tales from the New Frontier: Pioneers' Experiences with Consumer-Driven Health Care. Health Services Research 39 (4, pt. 2 1071 1090.
36. Marquis, M.S. 1985. Cost Sharing and Provider Choice. Journal of Health Economics 4 (2 137 157.
37. McNeill, D. 2004. Do Consumer-Directed Health Benefits Favor the Young and Healthy Health Affairs 23 (1 186 193.
38. Neipp, J., and R.J. Zeckhauser. 1985. Persistence in the Choice of Health Plans. In Advances in Health Economics and Health Services Research, vol. 6, edited by R.M. Scheffler and L.F. Rossiter, pp. 47 72. Greenwich, Conn. : JAI Press.
39. Newhouse, J.P. 2004. Consumer-Directed Health Plans and the RAND Health Insurance Experiment. Health Affairs 23 (6 107 113.
40. Nichols, L., M. Moon, and S. Wallin. 1996. Tax-Preferred Medical Savings Accounts, and Catastrophic Health Insurance Plans: A Numerical Analysis of Winners and Losers. Research report, Urban Institute, April 1.
41. Ozanne, L. 1996. How Will Medical Savings Accounts Affect Medical Spending Inquiry 33 (3 225 236.
42. Parente, S.T., R. Feldman, and S. Chen. 2008. Effects of a Consumer-Driven Health Plan on Pharmaceutical Spending and Utilization. Health Services Research 43 (5 1542 1556.
43. Parente, S.T., R. Feldman, and J.B. Christianson. 2004a. Employee Choice of Consumer-Driven Health Insurance in a Multiplan, Multiproduct Setting. Health Services Research 39 (4, pt. 2 1091 1112.
44. Parente, S.T., R. Feldman, and J.B. Christianson. 2004b. Evaluation of the Effect of a Consumer-Driven Health Plan on Medical Care Expenditures and Utilization. Health Services Research 39 (4, pt. 2 1189 1210.
45. Pauly, M.V., O.S. Mitchell, and Y. Zheng. 2007/2008. Death Spiral or Euthanasia? The Demise of Generous Group Health Insurance Coverage. Inquiry 44 (4 412 427.
46. Reed, M., V. Fung, M. Price, R. Brand, N. Benedetti, S.F. Derose, J.P. Newhouse, and J. Hsu. 2009. High Deductible Health Insurance Plans: Efforts to Sharpen a Blunt Instrument. Health Affairs 28 (4 1143 1153.
47. Remler, D.K., and S.A. Glied. 2006. How Much More Cost Sharing Will Health Savings Accounts Bring Health Affairs 25 (4 1070 1078.
48. Robinson, J.C. 2002. Renewed Emphasis on Consumer Cost Sharing in Health Insurance Benefit Design. Health Affairs (web) : w139 w154.
49. Robinson, J.C. 2005. Health Savings Accounts - The Ownership Society in Health Care. Journal of the American Medical Association 353 (12 1199 1202.
50. Royalty, A., and N. Solomon. 1999. Health Plan Choice: Price Elasticities in a Managed Competition Setting. Journal of Human Resources 34 (1 1 41.
51. Samuelson, W., and R.J. Zeckhauser. 1988. Status Quo Bias in Decision Making. Journal of Risk and Uncertainty 1 (1 7 59.
52. Scanlon, D., M. Chernew, and J.R. Lave. 1997. Consumer Health Plan Choice: Current Knowledge and Future Directions. Annual Review of Public Health 18 (1 507 528.
53. Schultz, J., K. Thied Call, R. Feldman, and J. Christianson. 2001. Do Employees Use Report Cards to Assess Health Care Provider Systems Health Services Research 36 (3 509 530.
54. Strombom, B.A., T.C. Buchmueller, and P.J. Feldstein. 2002. Switching Costs, Price Sensitivity and Health Plan Choice. Journal of Health Economics 21 (1 86 115.
55. Tollen, L.A., M.N. Ross, and S. Poor. 2004. Risk Segmentation Related to the Offering of a Consumer-Directed Health Plan: A Case Study of Humana. Health Services Research 39 (4, pt. 2 1167 1188.
56. Vistnes, J.P., P.F. Cooper, and G.S. Vistnes. 2001. Employer Contribution Methods and Health Insurance Premiums: Does Managed Competition Work International Journal of Health Care Finance and Economics 1 (2 159 187.
57. Wedig, G., and M. Tai-Seale. 2002. The Effect of Report Cards on Consumer Choice in the Health Insurance Market. Journal of Health Economics 21 (6 1031 1048.
58. Yegian, J.M., T.C. Buchmueller, M.D. Smith, and A.F. Monroe. 2000. The Health Insurance Plan of California: The First Five Years. Health Affairs 19 (5 158 165.
59. Zabinski, D., T. Selden, J.F. Moeller, and J. Banthin. 1999. Medical Savings Accounts: Microsimulation Results from a Model with Adverse Selection. Journal of Health Economics 18 (2 195 218.