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The Financial Burdens Of High-Deductible Plans.
Salam Abdus1, Thomas M Selden2, Patricia Keenan3
1Salam Abdus (salam.abdus@ahrq.hhs.gov) is a senior economist at the Center for Financing, Access and Cost Trends at the Agency for Healthcare Research and Quality, in Rockville, MD.
Health Affairs (Project Hope)
|December 7, 2016
Summary
High-deductible health plans (HDHPs) increase healthcare costs for low-income adults. This financial strain impacts access to necessary medical services and overall well-being.
Area of Science:
- Health Economics
- Public Health Policy
Background:
- The proliferation of high-deductible health plans (HDHPs) is a significant trend in healthcare.
- HDHPs shift a greater portion of healthcare costs onto consumers.
- Concerns exist about the financial impact of these plans, especially on vulnerable populations.
Purpose of the Study:
- To examine the financial burden of healthcare costs associated with high-deductible health plans.
- To investigate the specific impact on low-income adult populations.
- To understand the implications for healthcare access and utilization.
Main Methods:
- Analysis of healthcare spending data.
- Examination of insurance plan structures.
- Focus on demographic and income-level correlations.
Main Results:
- Low-income adults enrolled in HDHPs face disproportionately high out-of-pocket healthcare expenses.
- Increased financial burden correlates with reduced healthcare service utilization among this demographic.
- Potential for delayed or forgone medical care due to cost concerns.
Conclusions:
- High-deductible health plans exacerbate financial stress for low-income adults.
- Policy interventions may be needed to mitigate the adverse financial effects of HDHPs on vulnerable populations.
- Further research is warranted on the long-term health outcomes associated with cost-related healthcare avoidance.
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