Consumer-Directed Health Plans Reduce Spending By 5%+

Consumer-directed health plans (CDHPs) reduce health care spending in the United States by at least five percent relative other plan designs. CDHPs are defined as a high-deductible health plan linked with a Health Reimbursement Account handled by an employer or with a Health Savings Account controlled by the individual. Many CDHPs have an annual deductible of more than $1,000. The estimated impact of CDHPs on health care spending was reported in "Consumer-directed Health Plans Do They Deliver?" by M. Kate Bundorf, M.B.A., M.P.H, Ph.D. For this analysis, Dr. Bundorf reviewed the . . .