Kaestner, Robert; Sasso, Anthony T. Lo; Helmchen, Lorens A. - National Bureau of Economic Research (NBER) - 2009
We use unique data from an insurer that exclusively offers high-deductible, "consumer-directed" health plans to identify the effect of plan features, notably the spending account, on health care spending. Our results show that the marginal dollar in the spending account is entirely spent on...