Consumer-directed health plans (CDHPs) are insurance options for employers offering benefits, and for individuals wanting more responsibility in their healthcare decision-making. These plans seek to control costs by shifting financial accountability from insurers to consumers. Consisting of a high-deductible health plan, a health savings account, and information tools, consumer-directed health plans attempt to promote greater value in health care spending. Data from the 2011-2012 California Health Interview Survey was used to identify the demographic and socioeconomic characteristics associated with individuals choosing a CDHP. As hypothesized, a Chi-square analysis determined that educational attainment was associated with choosing a CDHP (χ2(9, N=1240) = 33.296, p=. 000). Statistical support was not found for annual income, self-reported health, and number of doctor visits. Limitations surrounding the sample size and working definition of a high deductible may have prohibited a more complete investigation; educational attainment is a key indicator of a more cost-conscious consumer.
|Commitee:||Reynolds, Grace, Shimoga, Sandhya, Sinay, Tony|
|School:||California State University, Long Beach|
|Department:||Health Care Administration|
|School Location:||United States -- California|
|Source:||MAI 54/04M(E), Masters Abstracts International|
|Subjects:||Health care management|
|Keywords:||Consumer-directed health plan, Health savings account, High-deductible health plan|
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