Continuation of Research on Consumer Directed Health Plans: HSA Simulation Model Refinement . I. Introduction


Consumer directed health plans (CDHPs) are recent development in the US health insurance market.  Their principal economic aim is to make the consumer more engaged in health care purchasing decisions through the provision of an account from which medical services can be purchased.  This system is tied to traditional indemnity insurance, usually in the form of a high deductible health plan (HDHP) with a deductible gap of roughly the size of the account - though there are many variations.

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