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.

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