Employee choice of a high-deductible health plan across multiple employers.

ABSTRACT:

Objective

To determine factors associated with selecting a high-deductible health plan (HDHP) rather than a preferred provider plan (PPO) and to examine switching and market segmentation after initial selection.

Data sources/study setting

Claims and benefit information for 2005-2007 from nine employers in western Pennsylvania first offering HDHP in 2006.

Study design

We examined plan growth over time, used logistic regression to determine factors associated with choosing an HDHP, and examined the distribution of healthy and sick members across plan types.

Data extraction

We linked employees with their dependents to determine family-level variables. We extracted risk scores, covered charges, employee age, and employee gender from claims data. We determined censu

SUBMITTER: Lave JR 

PROVIDER: S-EPMC3034266 | biostudies-literature | 2011 Feb

REPOSITORIES: biostudies-literature