High-Deductible Health Plans cause consumer harm and do not lead to better value from our healthcare system.
Providers need to be the focus on efforts to address high health care costs and uneven quality.
Truly consumer-centric benefit designs would reflect this evidence and feature affordable cost-sharing, strong quality signals and reflect robust efforts to bring down the underlying cost of health care.
High-Deductible Health Plans Don't Work
Agarwal, Rejender, et al., "High-Deductible Health Plans Reduce Health Care Costs and Utilization, Including Use of Needed Preventive Services," Health Affairs (October 2017).
Sood, Neeraj, et al., Price Shopping in Consumer-Directed Health Plans, RAND, Washington D.C. (March 2013).
Reed, Mary E., et al., “In Consumer-Directed Health Plans, A Majority of Patients Were Unaware of Free or Low-Cost Preventive Care,” Health Affairs, Vol. 31, No. 12 (December 2012).
Brot-Goldber, Zarek, et al., What Does a Deductible Do? The Impact of Cost-Sharing on Health Care Prices, Quantities, and Spending Dynamics, National Bureau of Economic Research, Cambridge, Mass. (November 2015).
Swartz, Katherine, Cost-Sharing: Effects on Spending and Outcomes, Robert Wood Johnson Foundation (December 2010).
More High Deductible Health Plan resources
Providers Must be the Focus of Cost-Containment Efforts
Health Care Cost Institute,Spending on Shoppable Services in Health Care (March 2016).
Cost Sharing with Prescription Drugs
Eaddy, Michael T., et al., "How Patient Cost-Sharing Trends Affect Adherence and Outcomes: A Literature Review," Pharmacology & Therapeutics, Vol. 37, No. 1 (January 2012).
Goldman, Dana P., Geoffrey F. Joyce and Yuhui Zheng, “Prescription Drug Cost Sharing: Associations with Medication and Medical Utilization and Spending and Health,” JAMA (July 4, 2007).
Making Benefit Designs Truly Consumer Friendly
Feature High-Value Provider Networks