Past research has shown that high deductible and consumer-directed health plans (HD/CDHPs) can significantly reduce health care costs. In this paper we investigate how these cost savings are realized. We use panel data from many large employers and difference in difference models to examine how...

We use health care claims data from 59 large employers to estimate how consumer-directed health plans (CDHPs)—plans that combine a high deductible with personal accounts—affect health care costs and the use of preventive services by vulnerable populations. The vulnerable populations studied...

Enrollment in "consumer-directed" health insurance plans - plans with high deductibles that are frequently coupled with personal savings accounts - has soared over the past four years and now exceeds 5 million. Approximately a third of firms offering health insurance benefits now offer a...

Reports on the estimates produced by an interactive policy microsimulation model developed to help study the feasibility of a single-payer plan that would cover all Maine citizens and guarantee savings of 5 percent relative to existing health care costs. Notes that such a system appears to be...