Growth Of Consumer-Directed Health Plans To One-Half Of All Employer-Sponsored Insurance Could Save $57 Billion Annually
Growth Of Consumer-Directed Health Plans To One-Half Of All Employer-Sponsored Insurance Could Save $57 Billion Annually
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DOI：
10.1377/hlthaff.2011.0369
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发表时间：
2012-05-01
期刊：
影响因子：
9.7
通讯作者：
Sood, Neeraj
中科院分区：
文献类型：
--
作者：
Haviland, Amelia M.;Marquis, M. Susan;Sood, Neeraj
以消费者为导向的健康保险计划的注册人数正在增加，该计划的特点是高免赔额和个人医疗保健储蓄账户。我们预计，这些计划的市场份额的增加——从目前雇主资助保险的 13% 到 50%——可以减少每年约 570 亿美元的医疗保健支出。这一下降相当于非老年人医疗保健总支出下降 4%。然而，消费者导向计划注册人数的增长也有可能减少推荐医疗保健服务的使用，并增加传统健康保险计划的保费，因为健康的个人放弃传统保险并加入消费者导向计划。在本文中，我们探讨了面临这些挑战的政策制定者和雇主应考虑的选择，包括更完善的计划设计和决策支持系统，以促进推荐服务。
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.