A report card on the freshman class of consumer-directed health plans: Consumer-directed plans need major refinements if they are to substantially improve the affordability and quality of care

Meredith Rosenthal, Charleen Hsuan, Arnold Milstein

Research output: Contribution to journalArticlepeer-review

18 Scopus citations

Abstract

We used a series of case studies of first-generation consumer-directed health plans to investigate their early experience and the suitability of their design for reducing the growth in health benefit spending and improving the value of that spending. We found three fundamental but correctible weaknesses: Most plans do not make available comparative measures of quality and longitudinal cost-efficiency in enough detail to help consumers discern higher-value health care options; financial incentives for consumers are weak and insensitive to differences in value among the selections that consumers make; and none of the plans made cost-sharing adjustments to preserve freedom of choice for low-income consumers.

Original languageEnglish (US)
Pages (from-to)1592-1600
Number of pages9
JournalHealth Affairs
Volume24
Issue number6
DOIs
StatePublished - Nov 2005

All Science Journal Classification (ASJC) codes

  • Health Policy

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