Consumer directed healthcare: except for the healthy and wealthy it's unwise

J Gen Intern Med. 2007 Jun;22(6):879-81. doi: 10.1007/s11606-007-0187-3. Epub 2007 Mar 30.


Many politicians and business leaders are advocating high deductible health insurance plans linked with health savings accounts--so-called consumer-directed healthcare. These policies penalize the sick, discourage needed care (especially primary and preventive care), and direct tax subsidies towards the wealthiest Americans. They offer little hope of slowing the growth of health care costs and add further bureaucratic costs and complexity to our health care financing system.

MeSH terms

  • Adolescent
  • Adult
  • Aged
  • Child
  • Child, Preschool
  • Consumer Behavior / economics*
  • Cost Sharing
  • Deductibles and Coinsurance
  • Female
  • Health Care Reform / economics
  • Health Care Reform / methods*
  • Humans
  • Income
  • Infant
  • Infant, Newborn
  • Male
  • Medical Savings Accounts / economics*
  • Middle Aged
  • Policy Making
  • Politics
  • United States