Consumer-Directed Health Plans
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Consumer-Directed Health Plan Enrollment Rises in All Cities over 10 Years (2008 to 2017)
Tags: 10 Year Trend, Commercially Insured, Consumer-Directed Health Plans, Geographic Variation, Out-of-Pocket, Spending
Read more: Consumer-Directed Health Plan Enrollment Rises in All Cities over 10 Years (2008 to 2017)Recent analysis by HCCI finds that enrollment in consumer-directed health plans (CDHPs) increased dramatically since 2008. Nationally, nearly a third of commercially insured individuals were enrolled in a CDHP in 2017, up from 7.5% in 2008. Over ten years, enrollment in CDHPs doubled in 85 of the 88 metro areas studied. High-deductible health plans (HDHPs) have become increasingly common…
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Insulin Use Explains Variation in Level, but not Growth, of Out-of-Pocket Spending on Insulin Products
Read more: Insulin Use Explains Variation in Level, but not Growth, of Out-of-Pocket Spending on Insulin ProductsWe previously published two blogs discussing trends in out-of-pocket spending on insulin products. First, we presented data illustrating how average monthly out-of-pocket spending in 2017 varied considerably by month, particularly for individuals enrolled in consumer-directed health plans (CDHPs) that carry higher deductibles. Second, we examined the relationship between increasing point-of-sale prices between 2012 and 2017…
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Rising Point-of-Sale Prices for Insulin Correspond with Higher Out-of-Pocket Spending on Insulin in January
Read more: Rising Point-of-Sale Prices for Insulin Correspond with Higher Out-of-Pocket Spending on Insulin in JanuaryEarlier this week we presented data on out-of-pocket spending on insulin during each month in 2017. In that blog, we showed that enrollees in employer-sponsored health insurance paid more out-of-pocket for insulin products at the beginning of the calendar year. We examined the relationship between increasing point-of-sale prices for insulin and higher out-of-pocket spending in…
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Out-of-Pocket Spending on Insulin is Highest at the Beginning of the Year
Tags: Commercially Insured, Consumer-Directed Health Plans, Diabetes, Drug Spending, Geographic Variation, Insulin
Read more: Out-of-Pocket Spending on Insulin is Highest at the Beginning of the YearPeople who get health insurance through their jobs pay more than twice as much for insulin at the beginning of the year than they do at the end of the year, on average. New analysis of HCCI data shows that, nationally, in January 2017, average out-of-pocket spending on insulin was $105. This spending declined every…
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Los Angeles Times: Soaring Insurance Deductibles and High Drug Prices Hit Sick Americans with a ‘Double Whammy’
Read more: Los Angeles Times: Soaring Insurance Deductibles and High Drug Prices Hit Sick Americans with a ‘Double Whammy’HCCI’s research on consumer-directed health plans was recently used to support the second in a series of articles by the Los Angeles Times on high-deductible health plans. From the article: “New research conducted in partnership with The Times for this project also shows that sick Americans use less healthcare when their plan requires them to pay…
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Los Angeles Times: Health Insurance Deductibles Soar, Leaving Americans with Unaffordable Bills
Read more: Los Angeles Times: Health Insurance Deductibles Soar, Leaving Americans with Unaffordable BillsHCCI’s research on consumer-directed health plans was recently used to support the first in a series of articles by the Los Angeles Times on high-deductible health plans. From the article: “The challenges are most severe for people with the highest deductibles, according to the poll: Nearly half of those in a plan with at least…
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Lower Health Care Spending and Use for People with Chronic Conditions in Consumer-Directed Health Plans
Read more: Lower Health Care Spending and Use for People with Chronic Conditions in Consumer-Directed Health PlansTo better understand differences in spending and use across types of health plans, we examine individuals enrolled in consumer-directed health plans (CDHPs) and individuals enrolled in non-CDHP health plans. CDHPs are a type of HDHP that typically include a health savings account (HSA) or a health reimbursement arrangement (HRA). We analyzed a sample of over…
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Trends in Total and Out-of-Pocket Spending in Metro Areas: 2012-2015
Read more: Trends in Total and Out-of-Pocket Spending in Metro Areas: 2012-2015This data brief examines geographic variation in health care per capita spending, with a focus on consumer per capita out-of-pocket spending across geographies (2012-2015). It also explores whether the proportion of people enrolled in consumer-directed health plans (CDHPs) and the proportion not utilizing health care services had any influence on out-of-pocket spending.
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CNBC: High-deductible plans tied to lower health use, higher out-of-pocket spending
Read more: CNBC: High-deductible plans tied to lower health use, higher out-of-pocket spendingBy: Dan Mangan Your less expensive health insurance plan could cost you — even if you use less health care. People in so-called consumer-driven health plans tend to use fewer medical services than people with other types of coverage, a new study finds. But they also tend to spend substantially more out of their own…
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Consumer-Driven Health Plans: A Cost and Utilization Analysis
Read more: Consumer-Driven Health Plans: A Cost and Utilization AnalysisThis data brief examines the health care use and spending from 2010-2014 for people who are enrolled in consumer-driven health plans (CDHPs), and compares these trends to non-CDHP enrollees. Findings indicate that although fewer total dollars were spent on health care for CDHP enrollees, they had higher per capita out-of-pocket spending on deductibles, copays, and…