English, Article, Journal or magazine article edition: The Effects of Consumer-Directed Health Plans on Health Care Spending Anthony T. Lo Sasso; Lorens A. Helmchen; Robert Kaestner

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Bookmark: http://trove.nla.gov.au/version/198575
Physical Description
  • preprint
Language
  • English

Edition details

Title
  • The Effects of Consumer-Directed Health Plans on Health Care Spending
Author
  • Anthony T. Lo Sasso
  • Lorens A. Helmchen
  • Robert Kaestner
Physical Description
  • preprint
Notes
  • We use unique data from an insurer that exclusively offers high-deductible, "consumer-directed" health plans to identify the effect of plan features, notably the spending account, on health care spending. Our results show that the marginal dollar in the spending account is entirely spent on outpatient and pharmacy services. In contrast, inpatient and out-of-pocket spending were not responsive to the amount in the spending account. Our results represent the first plausibly causal estimates of the components of consumer-driven health plans on health spending. The magnitudes of the effects suggest important moral hazard consequences to higher spending account levels.
  • RePEc:nbr:nberwo:15106
Language
  • English
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