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Consumer Directed Health Plans And Health Savings Accounts
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Author :United States Government Accountability Office Publisher :Createspace Independent Publishing Platform ISBN 13 :9781976430893 Total Pages :44 pages Book Rating :4.4/5 (38 download)
Book Synopsis Consumer-directed Health Plans by : United States Government Accountability Office
Download or read book Consumer-directed Health Plans written by United States Government Accountability Office and published by Createspace Independent Publishing Platform. This book was released on 2017-09-15 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt: Health savings accounts (HSA) and the high-deductible health insurance plans that are eligible to be coupled with them are a new type of consumer-directed health plan attracting interest among employers and consumers. Employers and plan enrollees may contribute to tax-advantaged HSAs, and enrollees can use the accounts to pay for health care expenses. Because HSAs and HSA-eligible plans are new, there is interest in the experiences of plan enrollees, as well as in comparing the plan features and enrollee characteristics with those of traditional plans, such as preferred provider organization (PPO) plans. GAO reviewed (1) the financial features of HSA-eligible plans in comparison with those of traditional plans, (2) the characteristics of HSA-eligible plan enrollees in comparison with those of traditional plan enrollees, (3) HSA funding and use, and (4) enrollees' experiences with HSA-eligible plans. GAO analyzed data regarding HSA-eligible and traditional plans and enrollees from national employer health benefits surveys, three selected employers, and a national broker of health insurance. GAO compared Internal Revenue Service (IRS) data for tax
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 and Health Savings Accounts by : Susan M. Gates
Download or read book Consumer-Directed Health Plans and Health Savings Accounts written by Susan M. Gates and published by . This book was released on 2015 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Cost has deterred the majority of small businesses from providing health insurance to their workers. Consumer-directed health plans, which are potentially less costly than traditional health plans, may be well suited to workers in small businesses. The authors study the factors that are associated with CDHP offering, determine the variation in CDHP offering among large and small firms, and develop models of persistence in CDHP offering. Their analysis of the Kaiser-HRET survey shows that small firms have been no quicker in their uptake of CDHPs than larger firms, and appear to display somewhat more churning in CDHP offering than large firms. Small firms that employ between three and 49 workers are less likely to offer HRA/HSA plans than large firms. Furthermore, firms that employ 200 to 499 workers appear to be less likely to offer both HRA/HSA plans and HD plans compared to larger firms. Their results suggest a limited role for the current incarnation of consumer-directed health plans in encouraging small business to provide insurance.
Author :United States Government Accountability Office Publisher :Createspace Independent Publishing Platform ISBN 13 :9781984318886 Total Pages :44 pages Book Rating :4.3/5 (188 download)
Book Synopsis Gao-06-798 - Consumer-directed Health Plans by : United States Government Accountability Office
Download or read book Gao-06-798 - Consumer-directed Health Plans written by United States Government Accountability Office and published by Createspace Independent Publishing Platform. This book was released on 2018-01-29 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt: GAO-06-798 Consumer-Directed Health Plans: Early Enrollee Experiences with Health Savings Accounts and Eligible Health Plans
Author :United States. Congress. House. Committee on Ways and Means. Subcommittee on Health Publisher : ISBN 13 : Total Pages :114 pages Book Rating :4.3/5 (91 download)
Book Synopsis Health Savings Accounts (HSAs) and Consumer Driven Health Care by : United States. Congress. House. Committee on Ways and Means. Subcommittee on Health
Download or read book Health Savings Accounts (HSAs) and Consumer Driven Health Care written by United States. Congress. House. Committee on Ways and Means. Subcommittee on Health and published by . This book was released on 2009 with total page 114 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 ConsumerDirected Health Plans: Health Status, Spending, and Utilization of Enrollees in Plans Based on Health Reimbursement Arrangements by :
Download or read book ConsumerDirected Health Plans: Health Status, Spending, and Utilization of Enrollees in Plans Based on Health Reimbursement Arrangements written by and published by DIANE Publishing. This book was released on with total page 47 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. Senate. Committee on Finance. Subcommittee on Health Care Publisher : ISBN 13 : Total Pages :268 pages Book Rating :4.F/5 ( download)
Book Synopsis Health Savings Accounts by : United States. Congress. Senate. Committee on Finance. Subcommittee on Health Care
Download or read book Health Savings Accounts written by United States. Congress. Senate. Committee on Finance. Subcommittee on Health Care and published by . This book was released on 2006 with total page 268 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Consumer-directed Health Plans by : United States. Government Accountability Office
Download or read book Consumer-directed Health Plans written by United States. Government Accountability Office and published by . This book was released on 2006 with total page 39 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Consumer-Directed Health Plans Early Enrollee Experiences with Health Savings Accounts and Eligible Health Plans by :
Download or read book Consumer-Directed Health Plans Early Enrollee Experiences with Health Savings Accounts and Eligible Health Plans written by and published by . This book was released on 2006 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States Government Accountability Office Publisher :Createspace Independent Publishing Platform ISBN 13 :9781976431760 Total Pages :38 pages Book Rating :4.4/5 (317 download)
Book Synopsis Consumer-Directed Health Plans by : United States Government Accountability Office
Download or read book Consumer-Directed Health Plans written by United States Government Accountability Office and published by Createspace Independent Publishing Platform. This book was released on 2017-10-04 with total page 38 pages. Available in PDF, EPUB and Kindle. Book excerpt: Insurance carriers, employers, and individuals are showing increasing interest in consumer-directed health plans (CDHP). CDHPs typically combine a high-deductible health plan with a health reimbursement arrangement (HRA) or health savings account (HSA). HRAs and HSAs are tax-advantaged accounts used to pay enrollees' health care expenses, and unused balances may accrue for future use, potentially giving enrollees an incentive to purchase health care more prudently. The plans also provide decision-support tools to help enrollees become more actively involved in making health care purchasing decisions. Because CDHPs are relatively new, there is interest in the extent of enrollment and in other aspects of the plans. GAO was asked to review the prevalence of CDHPs, how the associated accounts are funded and used, and the factors that may contribute to the growth or limit the appeal of these plans. GAO examined survey data on CDHP enrollment and interviewed or obtained data from employers, insurance carriers, individuals, financial institutions, and other
Book Synopsis The Consumer's Guide to Health Savings Accounts by : JoAnn Mills Laing
Download or read book The Consumer's Guide to Health Savings Accounts written by JoAnn Mills Laing and published by ibooks. This book was released on 2019-03-27 with total page 267 pages. Available in PDF, EPUB and Kindle. Book excerpt: “Let’s get the consumer in the game. The idea behind HSAs is a ‘supercharged IRA’ for health care...No other program is as tax advantaged.” –John W. Snow, Treasury Secretary “...HSAs can drastically lower an employer’s costs of providing employee health benefits. This may allow more small businesses to offer such benefits.” –Fed Brock, The New York Times “These accounts give workers the security of insurance against major illness, the opportunity to save tax-free for routine health expenses, and the freedom of knowing you can take your account with you whenever you change jobs.” –President George W. Bush “Laing’s new book (The Small Business Guide to HSAs) lives up to its name...an excellent explanation of how HSAs work...” –Greg Scandlen, The New York Post The Consumer’s Guide to HSAs answers the question “What’s in it for Me?” But responsibility doesn’t stop there. You must read your medical reports, check statements, and count your pills carefully. Ask questions. Keep records for future use, and soon you will realize as much of the benefits of consumer-driven health care and HSAs as possible.
Book Synopsis Factors for Selecting a Consumer Directed Health Care Plan by : David William Jordan
Download or read book Factors for Selecting a Consumer Directed Health Care Plan written by David William Jordan and published by . This book was released on 2013 with total page 212 pages. Available in PDF, EPUB and Kindle. Book excerpt: Health Reimbursement Arrangements (HRAs) and Health Savings Account (HSA) eligible High Deductible Health Plans (HDHPs) emerged as a new health care insurance models referred to as Consumer Directed Health Plans (CDHPs) in the early 2000s. The purpose of this study is to examine the association between enrollees' prior financial experiences as they relate to health care access and use with plan choice when a Managed Care Preferred Provider Organization (PPO), HRA, and HSA eligible HDHP are offered concurrently in an ESI program. It is important to examine new health insurance structures, such as CDHPs, to better understand their impact on enrollees' choice of health plan. Factors that determine enrollees' plan choice can influence the distribution of socio-economic, health risk, and behavioral characteristics across plans. These factors in turn can affect the financial costs, risk pools, and long-term solvency of such plans. The theoretical framework used in this study is adapted from Andersen's behavioral model and suggests economic enabling resources, self-perceived need for health care, predisposing characteristics, and plan cost characteristics are significant factors in Managed Care verses CDHP choice. First, descriptive statistics are used to describe the enrollee population relative to available plans. Then, multivariate analyses are used to examine hypotheses developed to examine employee earnings, prior Flexible Spending Account (FSA) participation, prior total cost sharing and Relative Risk Scores (RRS). Findings suggest first that CDHPs benefit from favorable selection, however the type of CDHP is a critical factor in the dynamics of plan choice. It is important not to categorize different forms of HRAs and HSA eligible HDHPs generically as CDHPs, but treat them as unique based upon their cost and administrative characteristics. Second, enrollees appear to select a plan that minimizes their future financial exposure based on past ESI experiences. Finally, CDHP choice and enrollee earnings may not have a simple linear relationship as suggested by prior research. Plan choice may depend largely on the dynamics between factors of economic resources, perceived need, and plan cost characteristics.
Book Synopsis Demand for High-Deductible and 'Consumer-Directed' Health Plans by : Melinda Beeuwkes Buntin
Download or read book Demand for High-Deductible and 'Consumer-Directed' Health Plans written by Melinda Beeuwkes Buntin and published by . This book was released on 2007 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Enrollment in "consumer-directed" health insurance plans - plans with high deductibles that are frequently coupled with personal savings accounts - has soared over the past four years and now exceeds 5 million. Approximately a third of firms offering health insurance benefits now offer a high-deductible plan and another third say they are interested in doing so. At the same time, prior studies have found that consumers prefer low-deductible plans, say they are willing to pay a premium for them, and are less satisfied when enrolled in high-deductible plans. This paper explores the determinants of enrollment in consumer-directed plans using data from a survey of 40 employers offering high-deductible plans. The sample of employers was stratified by the level of the deductible, the type of account offered (if any), and level of employer contributions to the account. The survey asks the employers for detailed information about their plan offerings, plan benefit designs, and enrollment levels; this includes information about both their consumer-directed option and any traditional HMOs or PPOs they may offer. It also asks about their consumer-directed plan implementation strategy and about resources available to help employees choose the best plan for them. We explored the factors associated with higher levels of enrollment when consumer-directed plans are offered alongside other options. These included three types of variables motivated by economic theory: 1) financial variables including plan benefit design elements such as deductible levels and employer contributions towards accounts; 2) behavioral variables such as requiring employees to make a proactive choice of plan each year; 3) information provision through employee communications. We find that factors within all three types of variables are important predictors of enrollment levels. We interpret our results about enrollment elasticities cautiously given our sample size, but do discuss the relative magnitudes of these effects and their implications.
Book Synopsis State Health Insurance Mandates, Consumer Directed Health Plans and Health Savings Accounts by :
Download or read book State Health Insurance Mandates, Consumer Directed Health Plans and Health Savings Accounts written by and published by . This book was released on 2007 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Small firms in the United States that seek to offer health insurance to their employees have historically reported problems with the availability and affordability of their options. The cost of health insurance has been the primary concern of small business owners for several decades. This paper examines the effect to date of two types of policy initiatives that could have substantial benefits for small business: state health insurance mandates and key components of CDHPs-HSAs, HRAs and high deductible health plans. It summarizes the key policy issues, reviews existing research evidence on the effect of these initiatives on small business and offer some conclusions for policymakers.
Download or read book Medical and Dental Expenses written by and published by . This book was released on 1990 with total page 20 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis State Health Insurance Mandates, Consumer Directed Health Plans and Health Savings Accounts by : Susan M. Gates
Download or read book State Health Insurance Mandates, Consumer Directed Health Plans and Health Savings Accounts written by Susan M. Gates and published by . This book was released on 2015 with total page 40 pages. Available in PDF, EPUB and Kindle. Book excerpt: Small firms in the United States that seek to offer health insurance to their employees have historically reported problems with the availability and affordability of their options. The cost of health insurance has been the primary concern of small business owners for several decades. This paper examines the effect to date of two types of policy initiatives that could have substantial benefits for small business: state health insurance mandates and key components of CDHPs-HSAs, HRAs and high deductible health plans. It summarizes the key policy issues, reviews existing research evidence on the effect of these initiatives on small business and offer some conclusions for policymakers.
