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Association of High-Deductible Health Plans and Complicated Appendicitis Among Children
Jordan M Rook1,2,3, Lorraine I Kelley-Quon4,5,6, Howard C Jen1
1Department of Surgery, David Geffen School of Medicine at UCLA, Los Angeles, CA.
Insights
Children enrolled in high-deductible health plans (HDHPs) face higher rates of complicated appendicitis and increased hospitalization costs. These findings suggest HDHPs may not be suitable for pediatric surgical care, leading to greater expenses.
Area of Science:
- Pediatric Surgery
- Health Economics
- Health Services Research
Background:
- High-deductible health plans (HDHPs) are increasingly common, covering nearly 60% of families with non-governmental employer-sponsored insurance.
- The impact of HDHPs on pediatric surgical care, specifically appendicitis outcomes and costs, remains largely unknown.
Purpose of the Study:
- To investigate the association between high-deductible health plans (HDHPs) and the incidence of complicated appendicitis and associated hospitalization costs in children.
- To evaluate the financial implications of HDHP enrollment for pediatric appendicitis cases.
Main Methods:
- Retrospective cohort study utilizing the 2016-2020 MarketScan dataset.
- Inclusion criteria: children aged 17 and younger with non-governmental employer-sponsored insurance treated for acute appendicitis.
- Analysis involved machine learning-based propensity score weighting and multivariable regression to assess outcomes (complicated appendicitis, hospitalization costs) in relation to HDHP enrollment, controlling for covariates.
Main Results:
- HDHP enrollment was linked to a higher likelihood of complicated appendicitis (33.2% vs. 30.6%).
- Children in HDHPs incurred significantly higher out-of-pocket costs ($4,341 vs. $1,850) and total hospitalization costs ($24,556 vs. $23,852).
- Propensity score weighting ensured covariate balance between HDHP and non-HDHP groups.
Conclusions:
- Pediatric patients with appendicitis enrolled in HDHPs are more likely to experience disease complications and incur greater hospitalization expenses.
- The high cost-sharing inherent in HDHPs may negatively impact pediatric surgical care, increasing overall costs for families and society.
- Findings highlight potential limitations of HDHPs for managing acute pediatric surgical conditions.
Objective:
To determine whether high-deductible health plans (HDHPs) are associated with complicated disease and hospitalization costs for children with appendicitis.
Background:
Nearly 60% of families with non-governmental employer-sponsored insurance are enrolled in HDHPs. It is unknown how these plans affect children who require surgical care.
Methods:
This retrospective cohort study used the 2016 to 2020 MarketScan data set. We included children aged 17 years and younger with non-governmental employer-sponsored insurance who were treated for acute appendicitis. The exposure was a binary variable indicating family enrollment in a HDHP. We assessed the outcomes of complicated appendicitis and hospitalization costs. We used machine learning-based propensity score weights and multivariable regression to assess the association between HDHP enrollment and outcomes. Covariates included age, sex, geographic region, comorbidities, prior health care utilization, and month and year treated.
Results:
Of 18,291 children treated for appendicitis, 40.6% (n = 7434) were enrolled in HDHPs. Groups exhibited covariate balance after propensity score weighting. HDHP enrollment was associated with a 2.6 percentage point (95% CI: 1.2 to 3.9; P < 0.001) increase in the likelihood of presenting with complicated appendicitis (33.2% vs 30.6%), a $2491 (95% CI: $2428 to $2555; P < 0.001) increase in out-of-pocket costs ($4341 vs $1850), and a $703 (95% CI: $185 to $1222; P = 0.008) increase in total costs ($24,556 vs $23,852).
Conclusions:
Children in HDHPs more often present with complicated appendicitis and require more costly hospitalizations. High levels of cost sharing, a dominant component of most private insurance plans, may not serve the needs of children with acute illnesses and can increase costs to patients and society.
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