This paper examines whether offering a health savings account (HSA)-eligible health plan for free, alongside other health plan options with a premium, alters employee enrollment choices; and if responders differ by health status. The data for this study come from two large employers and cover...

Objectives: To evaluate the impact of a consumer-directed health plan with a health savings account (CDHP-HSA) on utilization of and adherence to medications among individuals with chronic disease.Study Design: Pre-post comparison study with matched control group (difference-in-differences...

Consumer-directed health plans (CDHPs) are designed to make employees more cost- and health-conscious by exposing them more directly to the costs of their care, which should lower demand for care and, in turn, control premium growth. These features have made consumer-directed plans increasingly...