Abstract

http://ssrn.com/abstract=1737491
 
 

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A Panel Analysis of the Effects of a Consumer Directed Health Insurance Plan


Gurjeet Guram


Harvard Medical School

Melayne Morgan McInnes


University of South Carolina - Moore School of Business

Orgul D. Ozturk


University of South Carolina - Department of Economics

January 9, 2011


Abstract:     
We investigate the introduction of a Consumer Directed Health Plan (CDHP) in 2005 at a large, self-insured employer. Our relatively long panel enables us to observe utilization and spending for two years prior and four years after the introduction of the CDHP, enabling us to control for unobserved factors that affect both enrollment and utilization. We can also look for evidence of "pent up" demand or "stocking up" which might bias estimates of the effect of CDHPs in shorter panels. The length of our panel also allows us to determine whether the effects of CDHP enrollment persist over time. The CDHP we study has greater potential to shift spending than those studied in the prior literature because it is associated with an employee-funded health savings account (rather than a pre-Medicare Modernization Act employer-funded reimbursement account). However, we find that CDHP enrollment has little effect on utilization or spending.

Number of Pages in PDF File: 32

Keywords: Health insurance, Consumer Directed Health Plans, Health Care Expenditure, Health Care Utilization

JEL Classification: I11, I18

working papers series


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Date posted: January 9, 2011 ; Last revised: January 18, 2011

Suggested Citation

Guram, Gurjeet and McInnes, Melayne Morgan and Ozturk, Orgul D., A Panel Analysis of the Effects of a Consumer Directed Health Insurance Plan (January 9, 2011). Available at SSRN: http://ssrn.com/abstract=1737491 or http://dx.doi.org/10.2139/ssrn.1737491

Contact Information

Gurjeet Guram
Harvard Medical School ( email )
250 Longwood Avenue
Boston, MA 02115
United States
Melayne Morgan McInnes
University of South Carolina - Moore School of Business ( email )
1705 College St
Francis M. Hipp Building
Columbia, SC 29208
United States
Orgul D. Ozturk (Contact Author)
University of South Carolina - Department of Economics ( email )
349 Gambrell Hall
Columbia, SC 29208
United States
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