Consumer-Directed Health Plans and Health Savings Accounts: Have They Worked for Small Businesses?

2007 ◽  
Author(s):  
Susan M. Gates ◽  
Kanika Kapur ◽  
Pinar Karaca-Mandic
Keyword(s):  
Small Businesses ◽  
Health Plans ◽  
Health Savings Accounts ◽  
Savings Accounts ◽  
Consumer Directed Health Plans

Consumer-Directed Health Plans and Health Savings Accounts: Have They Worked for Small Business?

2008 ◽  
Vol 11 (2) ◽  
Author(s):  
Susan M Gates ◽  
Kanika Kapur ◽  
Pinar Karaca-Mandic
Keyword(s):  
Health Insurance ◽  
Small Business ◽  
Small Businesses ◽  
Small Firms ◽  
Health Plans ◽  
Large Firms ◽  
Health Savings Accounts ◽  
Savings Accounts ◽  
Traditional Health ◽  
Consumer Directed Health Plans

Cost has deterred many small businesses from providing health insurance to their workers. Consumer-directed health plans, which are potentially less costly than traditional health plans, may be well suited to workers in small businesses. We study the factors that are associated with CDHP offering, determine the variation in CDHP offering among large and small firms, and develop models of persistence in CDHP offering. Our analysis of the Kaiser-HRET survey shows that small firms have been no quicker in their uptake of CDHPs than larger firms, and appear to display somewhat more churning in CDHP offering than large firms. Small firms that employ between three and 49 workers are less likely to offer HRA/HSA plans conditional on offering HD plans than large firms. Furthermore, conditional on offering some health insurance, firms that employ 200 to 499 workers appear to be less likely to offer both HRA/HSA plans and HD plans compared to larger firms. Our results suggest a limited role for the current incarnation of consumer-directed health plans in encouraging small business to provide insurance.

Consumer-directed Health Plans With Health Savings Accounts

Medical Care ◽  
2012 ◽  
Vol 50 (7) ◽  
pp. 585-590 ◽  
Author(s):  
Mary Reed ◽  
Ilana Graetz ◽  
Huihui Wang ◽  
Vicki Fung ◽  
Joseph P. Newhouse ◽  
...  
Keyword(s):  
Health Plans ◽  
Health Savings Accounts ◽  
Savings Accounts ◽  
Consumer Directed Health Plans

scholarly journals High-Deductible Health Plans and Health Savings Accounts

2020 ◽  
Vol 3 (7) ◽  
pp. e2011000
Author(s):  
Matthew L. Maciejewski ◽  
Anna Hung
Keyword(s):  
Health Plans ◽  
Health Savings Accounts ◽  
Savings Accounts

scholarly journals Health Savings Accounts for Small Businesses and Entrepreneurs: Shopping, Take-Up and Implementation Challenges~!2009-11-12~!2010-01-28~!2010-03-19~!

2010 ◽  
Vol 3 (1) ◽  
pp. 10-20 ◽  
Author(s):  
Susan M. Gates ◽  
Pinar Karaca-Mandic ◽  
James R. Burgdorf ◽  
Kanika Kapur
Keyword(s):  
Small Businesses ◽  
Implementation Challenges ◽  
Health Savings Accounts ◽  
Savings Accounts

scholarly journals Reduced Cost-sharing for Preventive Drugs Preferentially Benefits Low-income Patients With Diabetes in High Deductible Health Plans With Health Savings Accounts

Medical Care ◽  
2020 ◽  
Vol 58 ◽  
pp. S4-S13 ◽  
Author(s):  
Dennis Ross-Degnan ◽  
Jamie Wallace ◽  
Fang Zhang ◽  
Stephen B. Soumerai ◽  
Laura Garabedian ◽  
...  
Keyword(s):  
Low Income ◽  
Cost Sharing ◽  
Health Plans ◽  
Health Savings Accounts ◽  
Savings Accounts ◽  
Patients With Diabetes

scholarly journals Use of Health Savings Accounts Among US Adults Enrolled in High-Deductible Health Plans

2020 ◽  
Vol 3 (7) ◽  
pp. e2011014
Author(s):  
Jeffrey T. Kullgren ◽  
Elizabeth Q. Cliff ◽  
Christopher Krenz ◽  
Brady T. West ◽  
Helen Levy ◽  
...  
Keyword(s):  
Health Plans ◽  
Health Savings Accounts ◽  
Savings Accounts
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