Insurance Choice and Benefit Design
Our work in Insurance Choice and Benefit Design
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Money-Saving Health Plans do Little to Curb Spending on Unnecessary Medical Services
High-deductible plans are falling short of their promises of significant savings for consumers.
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Switch and Save on Medicare Part D
Simply switching prescription drug plans could save seniors and the government billions.
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Americans Support Price Shopping for Health Care, But Few Actually Seek Out Price Information
In this study, researchers assessed how frequently patients are price shopping for care and the barriers they face in doing so, and found that few Americans actively obtain price information before going to the doctor.
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Few Americans Look into Out-of-Pocket Costs Before Receiving Care
13% of respondents tried to find pricing information; 3% compared costs among providers.
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The Price May Not Be Right: The Value of Comparison Shopping for Prescription Drugs
Price shopping for medications within a small geographic area can yield considerable cost savings for uninsured and insured consumers in high-deductible health plans.
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The Long Term Effects of “Consumer-Directed” Health Plans on Preventive Care Use
Neeraj Sood and his colleagues find consumer-directed health plans are not associated with a decrease in preventive screenings, yet patterns of screening use suggest a misunderstanding of plan design.
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Building a Better “Cadillac”
The excise tax on premiums paid for high-cost employer-sponsored plans, also known as the Cadillac tax, is an important provision of the Affordable Care Act (ACA) and should be retained even if the larger law is repealed because it will not only help control the growth of health care spending but also will provide revenues needed to pay for any potential ACA replacement
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Inattention and Switching Costs as Sources of Inertia in Medicare Part D
A new study finds only 10 percent of Part D beneficiaries switch plans every year and most plan selections result in overspending.
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The Impact of High-Deductible Health Plans on the Financial Burden of Commercially Insured Population in the United States
This study estimated the causal effects of high-deductible health plans (HDHPs) on the financial burden of receiving medical care among the commercially insured population the US, and found that HDHP enrollment led to a significant increase in the financial burden of receiving medical care, with low income and chronically ill patients especially vulnerable.
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Cost-Sharing Obligations, High-Deductible Health Plan Growth, and Shopping for Health Care: Enrollees with Skin in the Game
While high-deductible health plans are sold as a way for consumers to take greater control over managing their medical costs, this study found that people on those plans are no better at price shopping for health care professionals or services than people on traditional insurance.
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