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High-deductible health plan
| Healthcare in the United States |
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In the United States, a high-deductible health plan (HDHP) is a health insurance plan with lower premiums and higher deductibles than a traditional health plan. It is intended to incentivize consumer-driven healthcare. Being covered by an HDHP is also a requirement for having a health savings account.[1] Some HDHP plans also offer additional "wellness" benefits, provided before a deductible is paid. High-deductible health plans are a form of catastrophic coverage, intended to cover for catastrophic illnesses.[2] Adoption rates of HDHPs have been growing since their inception in 2004, not only with increasing employer options, but also increasing government options.[3] As of 2016, HDHPs represented 29% of the total covered workers in the United States; however, the impact of such benefit design is not widely understood.[4][5]
- ^ "High-Deductible Health Plans". Health 401k. Retrieved 25 May 2011.
- ^ "Publication 969" (PDF). Internal Revenue Service. 11 January 2012. Retrieved 9 June 2012.
- ^ Claxton, G. "Employer Health Benefits: 2016 Annual Survey". Kaiser Family Foundation. Retrieved 7 July 2017.
- ^ Waters, T.M., Chang, C.F., Cecil, W.T., Kasteridis, P., and Mirvis, D. "Impact of High-Deductible Health Plans on Health Care Utilization and Costs", Health Services Research 46(1), pp. 155-172, Wiley-Blackwell, Feb. 2011. Retrieved April 15, 2020. doi:10.1111/j.1475-6773.2010.01191.x
- ^ Borah, B.J., Burns, M.E., and Shah, N.D. "Assessing the impact of high deductible health plans on health‐care utilization and cost: a changes‐in‐changes approach", Health Economics 20(9), pp. 1025-1042, John Wiley & Sons, Inc., June 1, 2011. Retrieved April 15, 2020. doi:10.1002/hec.1757
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