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A Cbo Study Consumer Directed Health Plans Potential Effects On Health Care Spending And Outcomes December 2006
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Book Synopsis A CBO Study, Consumer-Directed Health Plans: Potential Effects on Health Care Spending and Outcomes, December 2006 by :
Download or read book A CBO Study, Consumer-Directed Health Plans: Potential Effects on Health Care Spending and Outcomes, December 2006 written by and published by . This book was released on 2007 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Consumer-directed Health Plans by : Philip Ellis
Download or read book Consumer-directed Health Plans written by Philip Ellis and published by . This book was released on 2006 with total page 104 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Consumer-directed Health Plans by : Philip Ellis
Download or read book Consumer-directed Health Plans written by Philip Ellis and published by . This book was released on 2006 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Consumer Directed Health Care by : Kim Slocum
Download or read book Consumer Directed Health Care written by Kim Slocum and published by CRC Press. This book was released on 2008-07-07 with total page 162 pages. Available in PDF, EPUB and Kindle. Book excerpt: With three decades of experience in a variety of healthcare, pharmaceutical, and biotechnology firms, respected healthcare consultant, Kim Slocum applies a uniquely broad viewpoint to the U.S. healthcare crisis. He discusses how the system has evolved and debunks various myths that continue to persist. Exploring potential solutions, he balances many diverse and conflicting factors, including the movement to make healthcare more patient-centered and the growing trend to transfer significant portions of financial risk to patients via high-deductibles. Slocum closes the book by discussing what a successful consumer-directed system might look like and what steps would be required to make it happen.
Book Synopsis The Effects of Consumer-directed Health Plans on Health Care Spending by : Anthony T. Lo Sasso
Download or read book The Effects of Consumer-directed Health Plans on Health Care Spending written by Anthony T. Lo Sasso and published by . This book was released on 2009 with total page 28 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Book Synopsis We've Got You Covered by : Liran Einav
Download or read book We've Got You Covered written by Liran Einav and published by Penguin. This book was released on 2023-07-25 with total page 305 pages. Available in PDF, EPUB and Kindle. Book excerpt: From a MacArthur Genius MIT economist and pre-eminent Stanford economist comes a lively and provocative proposal for American health insurance reform Few of us need convincing that the American health insurance system needs reform. But many of the existing proposals focus on expanding one relatively successful piece of the system or building in piecemeal additions. These proposals miss the point. As the Stanford health economist Liran Einav and the MIT economist and MacArthur Genius Amy Finkelstein argue, our health care system was never deliberately designed, but rather pieced together to deal with issues as they became politically relevant. The result is a sprawling yet arbitrary and inadequate mess. It has left 30 million Americans without formal insurance. Many of the rest live in constant danger of losing their coverage if they lose their job, give birth, get older, get healthier, get richer, or move. It's time to tear it all down and rebuild, sensibly and deliberately. Marshaling original research, striking insights from American history, and comparative analysis of what works and what doesn’t from systems around the world, Einav and Finkelstein argue for automatic, basic, and free universal coverage for everyone, along with the option to buy additional, supplemental coverage. Their wholly original argument and comprehensive blueprint for an American universal health insurance system will surprise and provoke. We’ve Got You Covered is an erudite yet lively and accessible prescription we cannot afford to ignore.
Book Synopsis CBO's Long-term Budget Outlook by : United States. Congress. House. Committee on the Budget
Download or read book CBO's Long-term Budget Outlook written by United States. Congress. House. Committee on the Budget and published by . This book was released on 2008 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Ethics of Universal Health Insurance by : Alex Rajczi
Download or read book The Ethics of Universal Health Insurance written by Alex Rajczi and published by Oxford University Press, USA. This book was released on 2019 with total page 353 pages. Available in PDF, EPUB and Kindle. Book excerpt: Millions of Americans lack health insurance, and as a result, thousands suffer and die every year. Philosophers have argued that an ideal society would avoid these problems by guaranteeing reasonable universal access to health insurance-but what about concerns that a universal health insurance system would be inefficient, create excessive fiscal risk, or impose high taxes and other personal costs? In The Ethics of Universal Health Insurance, Alex Rajczi shows how defenders of universal health insurance can address the ethical issues raised by these objections and make the moral case for an American universal health insurance system that improves on the gains made in the Affordable Care Act. By addressing these objections, Rajczi reveals fascinating philosophical issues that have been previously overlooked. Understanding these issues in the health care debate has larger upshots as well. This book will help readers form a deeper and more thorough understanding of progressive and conservative views on distributive justice, and it will provide a framework for examining debates about any part of the social safety net-in America and elsewhere.
Book Synopsis Expanding Access to Health Care by : Terry F. Buss
Download or read book Expanding Access to Health Care written by Terry F. Buss and published by Routledge. This book was released on 2014-12-18 with total page 417 pages. Available in PDF, EPUB and Kindle. Book excerpt: The U.S. health care system faces well-known problems: 47 million people without health insurance, rapidly rising costs that consume 16 percent of the country's economic output, and widely uneven quality of care. Even many people with coverage are experiencing serious problems paying for the rapidly rising costs of health care and insurance.This book - a joint product of the National Academy of Public Administration and the National Academy of Social Science - undertakes a sweeping analysis of the management and administrative issues that arise in expanding health care coverage. The book identifies the core administrative functions that need to be performed in assuring access to health coverage, describes how these functions are performed at present and under proposed alternatives, draws lessons from experience in the U.S. and abroad, and assesses suggested administrative approaches designed to facilitate the improvement and expansion of health care coverage.Adequate health care is one of today's most crucial domestic policy concerns. "Expanding Access to Health Care" is designed to bring together in one place some of the best thinking on the subject, not as an exercise in advocacy, but rather to lay out the issues in a balanced way so that policymakers, researchers, and citizens can better understand the complex details of health care reform.
Book Synopsis Key Issues in Analyzing Major Health Insurance Proposals by :
Download or read book Key Issues in Analyzing Major Health Insurance Proposals written by and published by Government Printing Office. This book was released on with total page 196 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Consumer-directed Health Plans by : Office, U.s. Government Accountability
Download or read book Consumer-directed Health Plans written by Office, U.s. Government Accountability and published by . This book was released on 2017-08-16 with total page 48 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Consumer-directed health plans (CDHP) combine a high-deductible health plan with a tax-advantaged account, such as a health reimbursement arrangement (HRA), that enrollees can use to pay for health care expenses. In an effort to restrain cost growth, several employers, including the federal government through its Office of Personnel Management (OPM), have offered HRAs for several years.For enrollees in HRAs compared with those in traditional plans such as preferred provider organization (PPO) plans, GAO assessed (1) differences in health status, and (2) changes in spending and utilization of health care services. GAO analyzed data from two large employers-one public and one private-that introduced an HRA option in 2003. GAO compared changes in health spending and utilization before and after 2003 for enrollees who switched from a PPO into an HRA (the HRA group) with those who stayed in a PPO (the PPO group). At the time GAO made its data requests to each employer, 2007 data from the public employer and 2005 data from the private employer were the most current and complete data available. GAO also reviewed published studies that included an assessment of the health status, spending, or utilization of HRA and other CDHP enrollees compared..."
Book Synopsis Budget Control Act: Potential Impact of Sequestration on Health Reform Spending by : C. Stephen Redhead
Download or read book Budget Control Act: Potential Impact of Sequestration on Health Reform Spending written by C. Stephen Redhead and published by Createspace Independent Pub. This book was released on 2012-11-22 with total page 26 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Budget Control Act of 2011 (BCA; P.L. 112-25) established new budget enforcement mechanisms for reducing the federal deficit by at least $2.1 trillion over the 10-year period FY2012-FY2021. The BCA placed statutory limits, or caps, on discretionary spending for each of those 10 fiscal years, which will save an estimated $0.9 trillion during that period. In addition, it created a Joint Select Committee on Deficit Reduction (Joint Committee) with instructions to develop legislation to reduce the federal deficit by at least another $1.5 trillion through FY2021. On November 21, 2011, the Joint Committee announced that it was unable to agree on a legislative package of deficit cuts, which raises the likelihood of automatic annual spending reductions beginning in FY2013. Under the BCA, the reductions would be achieved by a combination of sequestration—an automatic across-the-board cancellation of budgetary resources (i.e., spending cuts) for nonexempt direct spending programs—and lowering the caps on discretionary spending. The potential impact of spending reductions triggered by the BCA on health reform spending under the Patient Protection and Affordable Care Act (ACA) would appear to be somewhat limited. ACA sought to increase access to affordable health insurance by expanding the Medicaid program and by restructuring the private health insurance market. It set minimum standards for private insurance coverage, created a mandate for most U.S. residents to obtain coverage, and provided for the establishment by 2014 of state-based insurance exchanges for the purchase of health insurance. Certain individuals and families will be able to receive federal subsidies to reduce the cost of purchasing coverage through the exchanges. The new law included direct spending to subsidize the purchase of health insurance coverage through the exchanges, as well as increased outlays for the Medicaid expansion. Under the rules governing sequestration, Medicaid spending would be exempt from any reduction, and cuts to Medicare would be capped at 2%. ACA also included numerous mandatory appropriations that provide billions of dollars to support temporary programs to increase coverage and funding for targeted groups, provide funds to states to plan and establish exchanges, and support many other research and demonstration programs and activities. These appropriations would, in general, be subject to direct spending reductions under a sequestration order. However, for any given fiscal year in which sequestration was ordered, only new budget authority for that year (including advance appropriations that first become available for obligation in that year) would be reduced. Unobligated balances carried over from previous fiscal years would be exempt from sequestration. ACA is likely to affect discretionary spending subject to the annual appropriations process. The law reauthorized appropriations for numerous existing discretionary grant programs and activities authorized under the Public Health Service Act, permanently reauthorized funding for the Indian Health Service (IHS), and created a number of new grant programs and provided for each an authorization of appropriations. In addition, the Congressional Budget Office projected that both the Department of Health and Human Services and the Internal Revenue Service will incur substantial administrative costs to implement the policies and programs established by ACA. Those costs will have to be funded largely through the annual appropriations process. ACA related discretionary spending would, in general, be subject to automatic spending reductions triggered by the BCA.
Book Synopsis Patient Responses to Incentives in Consumer-directed Health Plans by : Peter J. Huckfeldt
Download or read book Patient Responses to Incentives in Consumer-directed Health Plans written by Peter J. Huckfeldt and published by . This book was released on 2015 with total page 37 pages. Available in PDF, EPUB and Kindle. Book excerpt: Prior studies suggest that consumer-directed health plans (CDHPs) -- characterized by high deductibles and health care accounts -- reduce health costs, but there is concern that enrollees indiscriminately reduce use of low-value services (e.g., unnecessary emergency department use) and high-value services (e.g., preventive care). We investigate how CDHP enrollees change use of pharmaceuticals for chronic diseases. We compare two large firms where nearly all employees were switched to CDHPs to firms with conventional health insurance plans. In the first firm's CDHP, pharmaceuticals were subject to the deductible, while in the second firm pharmaceuticals were exempt. Employees in the first firm shifted the timing of drug purchases to periods with lower cost sharing and were more likely to use lower-cost drugs, but the largest effect of the CDHP was to reduce utilization. Employees in the second firm also reduced utilization, but did not shift the timing or use of low cost drugs.
Author :National Academies of Sciences, Engineering, and Medicine Publisher :National Academies Press ISBN 13 :030946921X Total Pages :161 pages Book Rating :4.3/5 (94 download)
Book Synopsis Health-Care Utilization as a Proxy in Disability Determination by : National Academies of Sciences, Engineering, and Medicine
Download or read book Health-Care Utilization as a Proxy in Disability Determination written by National Academies of Sciences, Engineering, and Medicine and published by National Academies Press. This book was released on 2018-04-02 with total page 161 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Social Security Administration (SSA) administers two programs that provide benefits based on disability: the Social Security Disability Insurance (SSDI) program and the Supplemental Security Income (SSI) program. This report analyzes health care utilizations as they relate to impairment severity and SSA's definition of disability. Health Care Utilization as a Proxy in Disability Determination identifies types of utilizations that might be good proxies for "listing-level" severity; that is, what represents an impairment, or combination of impairments, that are severe enough to prevent a person from doing any gainful activity, regardless of age, education, or work experience.
Book Synopsis Knowing What Works in Health Care by : Institute of Medicine
Download or read book Knowing What Works in Health Care written by Institute of Medicine and published by National Academies Press. This book was released on 2008-05-29 with total page 279 pages. Available in PDF, EPUB and Kindle. Book excerpt: There is currently heightened interest in optimizing health care through the generation of new knowledge on the effectiveness of health care services. The United States must substantially strengthen its capacity for assessing evidence on what is known and not known about "what works" in health care. Even the most sophisticated clinicians and consumers struggle to learn which care is appropriate and under what circumstances. Knowing What Works in Health Care looks at the three fundamental health care issues in the United States-setting priorities for evidence assessment, assessing evidence (systematic review), and developing evidence-based clinical practice guidelines-and how each of these contributes to the end goal of effective, practical health care systems. This book provides an overall vision and roadmap for improving how the nation uses scientific evidence to identify the most effective clinical services. Knowing What Works in Health Care gives private and public sector firms, consumers, health care professionals, benefit administrators, and others the authoritative, independent information required for making essential informed health care decisions.
Book Synopsis Health Care Costs by : Raymond W. Inhurst
Download or read book Health Care Costs written by Raymond W. Inhurst and published by Nova Science Publishers. This book was released on 2009 with total page 110 pages. Available in PDF, EPUB and Kindle. Book excerpt: The U.S. political system arguably is not particularly effective at addressing gradual long-term problems such as rising health care costs and ageing. But the problems caused by rising health care costs are not just long-term ones. In fact, some of them are already having significant effects on various aspects of our society. Health care costs are already reducing workers' take-home pay to a degree that is both under-appreciated and at least partially unnecessary, consuming roughly a quarter of the federal budget, and putting substantial pressure on state budgets (mostly through the Medicaid program), thereby constraining funding for other governmental priorities. Identifying and addressing inefficiencies in the nation's health care system can yield significant benefits, even in the short term, and focusing attention on those effects that are already occurring may be helpful in developing the consensus necessary to make the needed changes.
Book Synopsis Effect of Consumer Directed Health Plan Enrollment on Healthcare Expenditure and Service Utilization by : Ruchira Mahashabde
Download or read book Effect of Consumer Directed Health Plan Enrollment on Healthcare Expenditure and Service Utilization written by Ruchira Mahashabde and published by . This book was released on 2018 with total page 37 pages. Available in PDF, EPUB and Kindle. Book excerpt: Objective: To investigate the effects of High Deductible Health Plans paired with a Health Savings Account on the healthcare expenditure and health services utilization. Methods: Data from the 2014 and 2015 Medical Expenditure Panel Survey was analyzed. Subjects enrolled in a Consumer Directed Health Plan (CDHP) were compared with subjects enrolled in non-CDHP after matching. A Chi-square analysis was conducted to assess frequency distribution of subjects in the treatment group as compared to the control. The control group was weighted using propensity score weights to match treatment group. The difference in the healthcare expenditures between the two groups was estimated using a Wilcoxon sign rank test and independent sample t-test. The effect of CDHP enrollment on health services utilization was estimated using a regression model. Results: The total sample population was 2132. The CDHP group was found to have a higher proportion of White, Non-Hispanics with high level of education and high family income as compared to the control group. A significant difference was found between the out-of-pocket costs (OOP) (p=0.0004) and the overall healthcare expenditure (p=0.0119) with the CDHP group having higher costs. There was no significant association between low or high use of health services. Conclusion: The findings suggest that CDHPs might not be fulfilling their required goal of reducing healthcare expenditure as well use of unnecessary care.
