Do Different Economic Incentives in Theory between CDHPs and Traditional Insurance Lead to Different Consumer Practices?

June 26, 2006 Do Different Economic Incentives in Theory Between CDHPs & Traditional Insurance Lead to Different Consumer Practices? The research presented in this report indicates that people with consumer-directed health plans (CDHP) who were predicted to spend less on health care utilization, tended to spend less than a comparison group with conventional cost sharing. The CDHP group had no cost sharing. CDHP enrollees that were predicted to spend more on health care utilization that had no incentive to conserve on medical care utilization due to plan structure, did in fact spend more than the comparison group. This PowerPoint . . .