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来源类型Working Paper
规范类型报告
DOI10.3386/w15106
来源IDWorking Paper 15106
The Effects of Consumer-Directed Health Plans on Health Care Spending
Anthony T. Lo Sasso; Lorens A. Helmchen; Robert Kaestner
发表日期2009-06-25
出版年2009
语种英语
摘要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.
主题Health, Education, and Welfare ; Health
URLhttps://www.nber.org/papers/w15106
来源智库National Bureau of Economic Research (United States)
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条目标识符http://119.78.100.153/handle/2XGU8XDN/572781
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Anthony T. Lo Sasso,Lorens A. Helmchen,Robert Kaestner. The Effects of Consumer-Directed Health Plans on Health Care Spending. 2009.
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