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Related Experiment Videos

Cost-sharing and provider choice.

M S Marquis

    Journal of Health Economics
    |May 10, 1985
    PubMed
    Summary
    This summary is machine-generated.

    Financial incentives like health insurance cost-sharing minimally impact patients' choices of lower-priced medical providers. Even educated patients showed little change in provider costliness when cost-sharing was introduced.

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    Area of Science:

    • Health Economics
    • Health Services Research
    • Behavioral Economics

    Background:

    • Procompetitive health financing proposals often rely on financial incentives to encourage price shopping for medical care.
    • Cost-sharing in health insurance is a key financial incentive designed to influence patient behavior regarding healthcare costs.

    Purpose of the Study:

    • To analyze the impact of health insurance cost-sharing on patients' provider shopping behavior.
    • To investigate the relationship between cost-sharing, primary care provider specialty, and the costliness of selected providers.

    Main Methods:

    • Utilized data from the 'Health Insurance Study'.
    • Examined the association between different levels of cost-sharing and patients' choices of medical care providers.
    • Assessed provider shopping behavior in relation to cost-sharing and patient education levels.

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    Main Results:

    • Mixed results were observed regarding whether patients with catastrophic coverage sought lower-priced physicians compared to those with free care; differences were small.
    • The effects of cost-sharing on the costliness of selected medical care providers were minimal, even for well-educated individuals.
    • Patient education level, while potentially improving information efficiency, did not significantly alter the impact of cost-sharing on provider choice.

    Conclusions:

    • Health insurance cost-sharing has a limited effect on patients' propensity to choose lower-cost medical providers.
    • Financial incentives through cost-sharing may not be a sufficient mechanism to drive significant cost-consciousness in healthcare provider selection.
    • Further research may be needed to explore alternative or complementary strategies to encourage price shopping in healthcare.