Consumer-directed health plans: New evidence on spending and utilization

Research output: Contribution to journalArticlepeer-review

23 Scopus citations


This study examined three-year spending and utilization trends associated with enrollment in a consumer-directed health plan (CDHP) offered by a large employer alongside a preferred provider organization (PPO) and a point-of-service (POS) plan. The CDHP cohort spent considerably more money on hospital care than the POS cohort. Results found evidence of pent-up demand in the CDHP, but not enough to explain the spending trend. Lower prescription drug spending - where the CDHP modestly controlled allowable costs - was associated with less hospital and emergency room use in following periods. Findings suggest the CDHP had too little out-of-pocket cost-sharing to control medical spending.

Original languageEnglish (US)
Pages (from-to)26-40
Number of pages15
Issue number1
StatePublished - 2007


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