scholarly journals Do People Have a Bias for Low-Deductible Insurance?

2020 ◽  
Author(s):  
Howard Kunreuther ◽  
Mark Pauly
Keyword(s):  
Deductible Insurance

Increases in risk and deductible insurance

1991 ◽  
Vol 55 (2) ◽  
pp. 435-440 ◽  
Author(s):  
Louis Eeckhoudt ◽  
Christian Gollier ◽  
Harris Schlesinger
Keyword(s):  
Deductible Insurance ◽  
Increases In Risk

Impact of switching to high deductible insurance on initiation and discontinuation of hormonal therapy among patients with early breast cancer.

2016 ◽  
Vol 34 (15_suppl) ◽  
pp. 552-552
Author(s):  
Christine Y. Lu ◽  
Anita K. Wagner ◽  
Fang Zhang ◽  
Larissa Nekhlyudov ◽  
Dennis Ross-Degnan ◽  
...  
Keyword(s):  
Breast Cancer ◽  
Early Breast Cancer ◽  
Hormonal Therapy ◽  
Deductible Insurance

Deductible insurance and production

1995 ◽  
Vol 17 (2) ◽  
pp. 119-123 ◽  
Author(s):  
Yaffa Machnes
Keyword(s):  
Deductible Insurance

Restraining the Health Care Consumer

2006 ◽  
Vol 30 (4) ◽  
pp. 501-528
Author(s):  
Beatrix Hoffman
Keyword(s):  
Health Care ◽  
Health Insurance ◽  
Medical Insurance ◽  
The United States ◽  
Health Coverage ◽  
Health Savings Accounts ◽  
Savings Accounts ◽  
Deductible Insurance ◽  
Health Care Consumer ◽  
History Of

Health insurance with high deductibles is an important feature of the Bush administration's health savings accounts initiative. A similar type of insurance, known as major medical, was the most common type of health coverage in the United States from the 1950s through the 1970s. This article traces the history of cost sharing in health insurance from its origins in insurers' concerns about “moral hazard” to the heyday of major medical insurance to the temporary comeback of first-dollar coverage during the era of managed care. Proponents of deductibles and co-payments, today and in the past, have argued that they bring down costs by forcing consumers to make more careful health care choices. The history of major medical insurance, however, shows that high-deductible insurance failed to curb medical inflation and also hurt consumers who expected their coverage to protect their incomes from the costs of sickness and injury.

scholarly journals Medical savings accounts: assessing their impact on efficiency, equity and financial protection in health care

2016 ◽  
Vol 11 (3) ◽  
pp. 321-335 ◽  
Author(s):  
Olivier J. Wouters ◽  
Jonathan Cylus ◽  
Wei Yang ◽  
Sarah Thomson ◽  
Martin McKee
Keyword(s):  
Health Care ◽  
The United States ◽  
Financial Protection ◽  
Savings Accounts ◽  
Deductible Insurance ◽  
Out Of Pocket Payments ◽  
Medical Savings Accounts ◽  
The Impact ◽  
Care Costs

AbstractMedical savings accounts (MSAs) allow enrolees to withdraw money from earmarked funds to pay for health care. The accounts are usually accompanied by out-of-pocket payments and a high-deductible insurance plan. This article reviews the association of MSAs with efficiency, equity, and financial protection. We draw on evidence from four countries where MSAs play a significant role in the financing of health care: China, Singapore, South Africa, and the United States of America. The available evidence suggests that MSA schemes have generally been inefficient and inequitable and have not provided adequate financial protection. The impact of these schemes on long-term health-care costs is unclear. Policymakers and others proposing the expansion of MSAs should make explicit what they seek to achieve given the shortcomings of the accounts.

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