Study Finds Fewer Office Visits & Prescriptions With CDHP

Consumer-directed health plans (CDHP) reduce the long-term use of outpatient physician visits and prescription drugs, according to a study by the Employee Benefit Research Institute (EBRI). The research used data from two large employers – one that adopted a health savings account (HSA) plan for all employees in 2007 and another with no CDHP. After four years under the HSA plan, there were 0.26 fewer physician office visits per enrollee per year and 0.85 fewer prescriptions filled, although there were 0.018 more emergency department visits (all of which are considered statistically significant).

Additionally, the likelihood of receiving recommended cancer screenings was lower under the HSA plan after one year and, even after recovering somewhat in later years, still lower than baseline at the study’s conclusion.

Paul Fronstin of EBRI notes that there have been recent regulatory decisions related to employer contributions to health reimbursement arrangements and health savings accounts. Also, the excise tax on high-cost health plans takes effect in 2018. These factors make CDHPs more attractive to employers because they may keep costs below the threshold that triggers the tax. For more information, visitwww.ebri.org or www.asec.org.

Last Updated 09/16/2020

Arch Apple Financial Services | Individual & Family Health Plans, Affordable Care California, Group Medical Insurance, California Health Insurance Exchange Marketplace, Medicare Supplements, HMO & PPO Health Care Plans, Long Term Care & Disability Insurance, Life Insurance, Dental Insurance, Vision Insurance, Employee Benefits, Affordable Care Act Assistance, Health Benefits Exchange, Buy Health Insurance, Health Care Reform Plans, Insurance Agency, Westminster, Costa Mesa, Huntington Beach, Fountain Valley, Irvine, Santa Ana, Tustin, Aliso Viejo, Laguna Hills, Laguna Beach, Laguna Woods, Long Beach, Orange, Tustin Foothills, Seal Beach, Anaheim, Newport Beach, Yorba Linda, Placentia, Brea, La Habra, Orange County CA

12312 Pentagon Street - Garden Grove, CA 92841-3327 - Tel: 714.638.0853 - 800.731.2590
Email:
Jay@ArchApple.com
Copyright @ 2015 - Website Design and Search Engine Optimization by Blitz Mogul