Health Affairs · 2006 · 77 citations · 12 references
Public AffairsHealth PolicyInsuranceHealth Care FinancingHealth InsuranceHealthcare EconomicsHealth Insurance EconomicsHealth Insurance MarketsHealth Insurance Plan TypesHealth Insurance SystemsHealthcare Cost AnalysisMedicare Benefit DesignCost-sharingCost-sharing Reduction PoliciesHealth Benefit Cost SharingHealthcare Cost SharingHigh-deductible Health Plan Cost SharingInsurance Cost SharingMedicare Cost Sharing
Proponents of health savings accounts (HSAs) contend that they will reduce medical expenditures. In practice, however, the effect of HSAs, and the high-deductible health plans that must accompany them, will depend on the actual provisions of those plans and of the plans they replace. We show that typical plans in the market today already contain substantial cost sharing. We find that many HSA/high-deductible arrangements would actually reduce cost sharing for many groups. In particular, the group responsible for half of all medical spending would see no change or a decline in cost sharing at the margin and on average.
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The Concentration Of Health Care Expenditures, Revisited
Marc L. Berk, Alan C. Monheit · Health Affairs · 2001 · 374 citations
Is ‘Moral Hazard’ Inefficient? The Policy Implications Of A New Theory
John A. Nyman · Health Affairs · 2004 · 121 citations
Business, Economics, Health Policy +13