Risk selection into consumer-directed health plans: an analysis of family choices within large employers.

ABSTRACT:

Objective

To identify the degree of selection into consumer-directed health plans (CDHPs) versus traditional plans over time, and factors that influence choice and temper risk selection.

Data sources/study setting

Sixteen large employers offering both CDHP and traditional plans during the 2004–2007 period, more than 200,000 families.

Study design

We model CDHP choice with logistic regression; predictors include risk scores, in addition to family, choice setting, and plan characteristics. Additional models stratify by account type or single enrollee versus family.

Data collection/extraction methods

Risk scores, family characteristics, and enrollment decisions are derived from medical claims and enrollment files. Interviews with human resources executives provide

SUBMITTER: McDevitt RD 

PROVIDER: S-EPMC3976189 | biostudies-literature | 2014 Apr

REPOSITORIES: biostudies-literature