Dataset Information

Employee choice of a high-deductible health plan across multiple employers.

ABSTRACT:

Objective

To determine factors associated with selecting a high-deductible health plan (HDHP) rather than a preferred provider plan (PPO) and to examine switching and market segmentation after initial selection.

Data sources/study setting

Claims and benefit information for 2005-2007 from nine employers in western Pennsylvania first offering HDHP in 2006.

Study design

We examined plan growth over time, used logistic regression to determine factors associated with choosing an HDHP, and examined the distribution of healthy and sick members across plan types.

Data extraction

We linked employees with their dependents to determine family-level variables. We extracted risk scores, covered charges, employee age, and employee gender from claims data. We determined census-level race, education, and income information.

Principal findings

Health status, gender, race, and education influenced the type of individual and family policies chosen. In the second year the HDHP was offered, few employees changed plans. Risk segmentation between HDHPs and PPOs existed, but it did not increase.

Conclusions

When given a choice, those who are healthier are more likely to select an HDHP leading to risk segmentation. Risk segmentation did not increase in the second year that HDHPs were offered.

SUBMITTER: Lave JR

PROVIDER: S-EPMC3034266 | biostudies-literature | 2011 Feb

REPOSITORIES: biostudies-literature

ACCESS DATA

Publications

Employee choice of a high-deductible health plan across multiple employers.

Lave Judith R JR Men Aiju A Day Brian T BT Wang Wei W Zhang Yuting Y

Health services research 20100917 1 Pt 1

<h4>Objective</h4>To determine factors associated with selecting a high-deductible health plan (HDHP) rather than a preferred provider plan (PPO) and to examine switching and market segmentation after initial selection.<h4>Data sources/study setting</h4>Claims and benefit information for 2005-2007 from nine employers in western Pennsylvania first offering HDHP in 2006.<h4>Study design</h4>We examined plan growth over time, used logistic regression to determine factors associated with choosing an ...[more]

PMID: 20849558

Similar Datasets

Project description:ImportanceMost people with commercial health insurance in the US have high-deductible plans, but the association of such plans with major health outcomes is unknown.ObjectiveTo describe the association between enrollment in high-deductible health plans and the risk of major adverse cardiovascular outcomes.Design, setting, and participantsThis cohort study examined matched groups before and after an insurance design change. Data were from a large national commercial (and Medicare Advantage) health insurance claims data set that included members enrolled between January 1, 2003, and December 31, 2014. The study group included 156 962 individuals with risk factors for cardiovascular disease who were continuously enrolled in low-deductible (≤$500) health plans during a baseline year followed by up to 4 years in high-deductible (≥$1000) plans with typical value-based features after an employer-mandated switch. The matched control group included 1 467 758 individuals with the same risk factors who were contemporaneously enrolled in low-deductible plans. Data were analyzed from December 2017 to March 2020.ExposuresEmployer-mandated transition to a high-deductible health plan.Main outcomes and measuresTime to first major adverse cardiovascular event defined as myocardial infarction or stroke.ResultsThe study group included 156 962 individuals and the control group included 1 467 758 individuals; the mean age of members was 53 years (SD: high-deductible group, 6.7 years; control group, 6.9 years), 47% were female, and approximately 48% lived in low-income neighborhoods. First major adverse cardiovascular events among high-deductible health plan members did not differ relative to controls at follow-up vs baseline (adjusted hazard ratio, 1.00; 95% CI, 0.89-1.13). Findings were similar among subgroups with diabetes (adjusted hazard ratio, 0.93; 95% CI, 0.75-1.16) and with other cardiovascular risk factors (adjusted hazard ratio, 0.93; 95% CI, 0.81-1.07).Conclusions and relevanceMandated enrollment in high-deductible health plans with typical value-based features was not associated with increased risk of major adverse cardiovascular events.

Dataset Information

Employee choice of a high-deductible health plan across multiple employers.

Objective

Data sources/study setting

Study design

Data extraction

Principal findings

Conclusions

Publications

Employee choice of a high-deductible health plan across multiple employers.

Similar Datasets

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