Growth of consumer-directed health plans to one-half of all employer-sponsored insurance could save $57 billion annually

Health Affairs
Amelia M HavilandNeeraj Sood

Abstract

Enrollment is increasing in consumer-directed health insurance plans, which feature high deductibles and a personal health care savings account. We project that an increase in market share of these plans--from the current level of 13 percent of employer-sponsored insurance to 50 percent--could reduce annual health care spending by about $57 billion. That decrease would be the equivalent of a 4 percent decline in total health care spending for the nonelderly. However, such growth in consumer-directed plan enrollment also has the potential to reduce the use of recommended health care services, as well as to increase premiums for traditional health insurance plans, as healthier individuals drop traditional coverage and enroll in consumer-directed plans. In this article we explore options that policy makers and employers facing these challenges should consider, including more refined plan designs and decision support systems to promote recommended services.

References

Feb 15, 2008·The New England Journal of Medicine·Joshua T CohenMilton C Weinstein
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Citations

May 1, 2012·Journal of General Internal Medicine·J Frank WharamBruce E Landon
Feb 7, 2016·Journal of Health Economics·Amelia M HavilandNeeraj Sood
Dec 18, 2012·Health Expectations : an International Journal of Public Participation in Health Care and Health Policy·Neal Gupta, Daniel Polsky
May 23, 2015·American Journal of Preventive Medicine·Ronald T AckermannUNKNOWN NEXT-D Study Group
Mar 31, 2015·The European Journal of Health Economics : HEPAC : Health Economics in Prevention and Care·Lieke H H M BoonenFrederik T Schut
Dec 15, 2015·Spine·Blaine T ManningKern Singh
Sep 26, 2017·Clinical Spine Surgery : a Spine Publication·Fady Y HijjiKern Singh
Feb 22, 2018·Clinical Spine Surgery : a Spine Publication·Ankur S NarainKern Singh
Sep 1, 2017·Orthopaedic Journal of Sports Medicine·Blaine T ManningBernard R Bach
Sep 7, 2017·Foot & Ankle Specialist·Blaine T ManningSimon Lee
Oct 24, 2017·Health Services Research·Xinke ZhangNeeraj Sood
Apr 5, 2018·The New England Journal of Medicine·Ateev MehrotraAnna D Sinaiko
Oct 10, 2019·The Journal of Bone and Joint Surgery. American Volume·Dane J BrodkeKevin J Bozic

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