Health Savings Accounts and High Deductible Health Insurance Plans: Implications for those with High Medical Costs, the Low-Income, and the Uninsured
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چکیده
منابع مشابه
Health Savings Accounts, Plan Choice, and Health Care Utilization: Simulating the Effects of HSA Introduction in Individual and Group Markets
Many policies and proposals for health care reform involve complex insurance products. For example, the Modernization of Medicare Act (2003) included two innovations: 1) health savings accounts, but only if accompanied with high-deductible health insurance policies; and 2) Medicare Part D coverage for prescription pharmaceutical products with an associated donut-hole. Future proposals are also ...
متن کاملConsumer-directed health care for persons under 65 years of age with private health insurance: United States, 2007.
Data from the National Health Interview Survey. In 2007, 17.3% of persons under 65 years of age with private health insurance were enrolled in a high deductible health plan (HDHP), 4.5% were enrolled in a consumer-directed health plan (CDHP), and 14.8% were in a family with a flexible spending account for medical expenses (FSA); Persons with directly purchased private health insurance were more...
متن کاملEarly experience with high-deductible and consumer-driven health plans: findings from the EBRI/Commonwealth Fund Consumerism in Health Care Survey.
• The latest “big idea”—Promoting consumerism in health care is the latest big idea in health insurance in the United States. One of the leading manifestations of this is the use of high-deductible health plans with savings accounts, such as health savings accounts (HSAs) and health reimbursement arrangements (HRAs), collectively known as consumer-driven health plans (CDHPs). The first EBRI/Com...
متن کاملSingle-payer, health savings accounts, or managed care? Minnesota physicians' perspectives.
The United States is facing a health care crisis with the number of uninsured Americans exceeding 46 million and health care premiums and overall costs increasing at 3 to 4 times the rate of inflation. Proposed solutions include continuing managed care, moving to a single-payer financing system with universal coverage, and replacing traditional health plans with high-deductible policies that al...
متن کاملComparing Health Care Financial Burden With an Alternative Measure of Unaffordability
Health insurance plans with high deductibles increase exposure to health care costs, raising concerns about how the growth in these plans may be impacting both the financial burden of health care expenditures on families and their access to health care. We find that foregoing medical care is common among low-income, privately insured families, occurring at a greater rate than those with higher ...
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تاریخ انتشار 2008