“Consumer-directed” health plans (CDHPs), with high deductibles and low monthly premiums, are thought to limit health care spending by tying costs to patients' care. Consumers switching to a CDHP appear to make significant reductions in their spending, but may also be skipping high-value preventive care.
Skin in the Game: How Consumer-Directed Health Plans Can Affect the Cost and Use of Health Care
RAND Congressional Briefing Series
Families who switched from a traditional health plan to a consumer-directed health plan spent an average of 21 percent less on health care in the first year after switching than similar families who remained in traditional plans. Amelia Haviland presents the results of several new RAND studies on cost and quality in consumer-directed health plans, and explores how switching plans affects the quality of care.
Choose Your Video
Jan 16, 2013
The RAND Corporation is a nonprofit institution that helps improve policy and decisionmaking through research and analysis. RAND focuses on the issues that matter most such as health, education, national security, international affairs, law and business, the environment, and more. As a nonpartisan organization, RAND operates independent of political and commercial pressures. We serve the public interest by helping lawmakers reach informed decisions on the nation's pressing challenges.