| Consumer Directed Health Plans: Evolution and Early Outcomes (2006) | |||||||||
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| Consumer Directed Health Plans Evolution and Early Outcomes Stephen Parente The first Consumer Directed Health Plans CDHP were introduced health ecommerce ventures the late These products were designed engage consumers more directly their health care purchases The conceptual model made cost and quality information evident the consumer usually through the Internet thus creating more efficient health care market CDHPs have evolved since their inception the focus has shifted designing health benefit that couples high deductible health plan HDHP with account pay for first dollar medical care expenses Typically there gap between the account contribution and deductible threshold with unused portions the account accruing without penalty intothe subsequent benefit year The most common models these plans today are Health Reimbursement Accounts HRAs and Health Savings Accounts HSAs The HSA benefit design has become part the political agenda since its inclusion the Bush Administration health reform package The enduring policy dimension CDHPs evidenced explicit mention the HSA benefit design the State the Union address Through combination tax breaks for premiums and the health savings account and tax subsidies for lower income individuals HSAs are proposed solution the high rate health care inflation well potentially reducing the number the nation uninsured CDHP Impact Study Since have been investigating the impact CDHPs with University Minnesota researchers Roger Feldman and Jon Christi | |||||||||
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