The market share of CDHPs or "consumer directed health plans"- plans with high deductibles and personal health accounts has grown dramatically in recent years. CDHPs change incentives for use of preventive services in complex ways. CDHPs provide first dollar coverage for a few selected primary preventive services such as cancer screenings but CDHP enrollees pay the full costs for other preventive services such as the costs of prescription drugs below the annual deductible. Consumers also face higher costs other medical expenses such as hospitalizations which might be prevented by efficient use of preventive. The proposed research project would be the first, to our knowledge, to comprehensively estimate the longer-term effects of CDHPs on use of primary and secondary preventive services, and whether these health plans lead to greater "price-shopping" for preventive care. We will utilize unique claims and survey data from CDHP and traditional plans offered by 63 large U.S. firms for the period 2003-2007 to: 1) Examine the long-term effects of CDHPs on the use of preventive services with first dollar coverage, such as screenings and immunizations. 2) Examine the effects of CDHPs on the use of preventive services without first dollar coverage, such as prescription drugs for secondary prevention of diabetes, hypertension, and coronary heart disease. 3) Examine the effects of CHDPs on price shopping for preventive services including services with and without first dollar coverage.

Public Health Relevance

The market share of CDHPs or consumer directed health plans- plans with high deductibles and personal health accounts has grown dramatically in recent years. CDHPs change incentives for use of preventive services in complex ways. CDHPs provide first dollar coverage for a few selected primary preventive services such as cancer screenings but CDHP enrollees pay the full costs for other preventive services such as the costs of prescription drugs below the annual deductible. Consumers also face higher costs other medical expenses such as hospitalizations which might be prevented by efficient use of preventive. The proposed research project would be the first, to our knowledge, to comprehensively estimate the long term effects of CDHPs on use of primary and secondary preventive services, and whether these health plans lead to greater price-shopping for preventive services.

Agency
National Institute of Health (NIH)
Institute
National Institute on Aging (NIA)
Type
Research Project (R01)
Project #
5R01AG043850-02
Application #
8544387
Study Section
Special Emphasis Panel (ZRG1-HDM-C (50))
Program Officer
Bhattacharyya, Partha
Project Start
2012-09-15
Project End
2015-05-31
Budget Start
2013-09-01
Budget End
2014-05-31
Support Year
2
Fiscal Year
2013
Total Cost
$274,415
Indirect Cost
$45,890
Name
University of Southern California
Department
Pharmacology
Type
Schools of Pharmacy
DUNS #
072933393
City
Los Angeles
State
CA
Country
United States
Zip Code
90089
Whaley, Christopher; Schneider Chafen, Jennifer; Pinkard, Sophie et al. (2014) Association between availability of health service prices and payments for these services. JAMA 312:1670-6