1.0PNHPhttps://pnhp.orgpnhpf3ahttps://pnhp.org/author/pnhpf3a/Consumer-directed health plans reduce utilization of essential drugs - PNHPrich600338<blockquote class="wp-embedded-content"><a href="https://pnhp.org/news/consumer-directed-health-plans-reduce-utilization-of-essential-drugs/">Consumer-directed health plans reduce utilization of essential drugs</a></blockquote>
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</script><iframe sandbox="allow-scripts" security="restricted" src="https://pnhp.org/news/consumer-directed-health-plans-reduce-utilization-of-essential-drugs/embed/" width="600" height="338" title="“Consumer-directed health plans reduce utilization of essential drugs” — PNHP" frameborder="0" marginwidth="0" marginheight="0" scrolling="no" class="wp-embedded-content"></iframe>Patient Responses to Incentives in Consumer-Directed Health Plans: Evidence from PharmaceuticalsBy Peter J. Huckfeldt, Amelia Haviland Ateev, Mehrotra Zachary Wagner, and Neeraj SoodNational Bureau of Economic Research, NBER Working Paper No. 20927, February 2015AbstractOne of the most important changes taking place in the financing of health care is the widespread adoption of high-deductible health plans, not only with the plans offered in the ACA insurance exchanges, but also with employer-sponsored health plans. When high-deductible plans are combined with a personal health account (health reimbursement arrangement or health savings account) then they are referred to as consumer-directed health plans (CDHPs). This study further informs us on the perverse consequences of this model of health care financing.