Date of Award

1-1-2019

Document Type

Thesis

Degree Name

M.A.

Department

Economics

First Advisor

Markus Schneider, Ph.D.

Keywords

Consumer-driven health insurance, Health Savings Plan, Healthcare self-management

Abstract

In the growing trend of consumer-driven health insurance, more consumers than ever have access to a high-deductible health plan paired with a health savings account, where consumers can save pre-tax income for healthcare but also face higher out-of-pocket prices, in hopes that consumers will become smarter shoppers. The Health Savings Plan is successful at lowering costs, but at the expense of consumers lowering their adherence to healthcare, raising health risk. Even in a competitive market, HSP plan designs require smart shoppers and more active healthcare self-management, but without dealing with the informational imperfections that need to be overcome to encourage this intelligent consumerism. In order for HSPs to succeed, they need to be aligned with policy and innovations that mend these informational deficits, but even then, policy makers need to be aware that HSPs do not tackle the main problem in the US healthcare marketplace.

Publication Statement

Copyright is held by the author. User is responsible for all copyright compliance.

Provenance

Received from ProQuest

Rights holder

Jacob Gene Dengg

File size

78 p.

File format

application/pdf

Language

en

Discipline

Economics

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