Who chooses a consumer-directed health plan?

Health Aff (Millwood). Nov-Dec 2008;27(6):1671-9. doi: 10.1377/hlthaff.27.6.1671.


Consumer-directed health plans (CDHPs) hold the promise of reining in health spending by giving consumers a greater stake in health care purchasing, yet little is known about employers' experience with these products. In examining the characteristics of those selecting a CDHP offered by one large employer, we found stronger evidence of selection than has been identified in prior research. Our findings suggest that in the context of plan choice, CDHPs may offer little opportunity to greatly lower employers' cost burden, and they highlight concerns about the potential for risk segmentation and the value of conferring preferential tax treatment to CDHPs.

Publication types

  • Research Support, N.I.H., Extramural
  • Research Support, Non-U.S. Gov't

MeSH terms

  • Adolescent
  • Adult
  • Community Participation*
  • Female
  • Financing, Personal
  • Health Benefit Plans, Employee* / economics
  • Health Benefit Plans, Employee* / organization & administration
  • Health Benefit Plans, Employee* / statistics & numerical data
  • Health Expenditures
  • Humans
  • Male
  • Middle Aged
  • Models, Organizational
  • Organizational Case Studies
  • United States
  • Young Adult