427 TD 2/2. HIGH-DEDUCTIBLE/CONSUMER-DRIVEN HEALTH PLANS.
Many of the available consumer-driven healthcare plans (whether they are spending-account or tiered-model plans) are now categorized as high-deductible health plans. These plans are currently the fastest growing plan options on the market, growing over 25% in the past decade. Although they are low in cost, members’ willingness to access care in a high-deductible environment have brought about valid quality of care and access to care concerns.
What are the advantages and disadvantages of a high-deductible/consumer-driven health plan? How would you best explain these points to your employees if your organization were changing to this type of coverage? Explain these items in a 200-word peer-reviewed source supported analysis (vs. posting opinions). Remember to use in-text citations in your post.
Your posts will be graded on how well they meet the Discussion Requirements posted in the “Before You Begin” section”. Please review this section, as well as the discussion scoring rubric.
Running head: HIGH-DEDUCTIBLE/CONSUMER-DRIVEN HEALTH PLANS1
Pros & Cons of High-Deductible/Consumer-Driven Health Plans
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HIGH-DEDUCTIBLE/CONSUMER-DRIVEN HEALTH PLANS
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Pros & Cons of High-Deductible/Consumer-Driven Health Plans High-Deductible/Consumer-Driven Health Plans (HD/CDHPs) are a staple health
insurance and coverage in current marketplace. Optimizing inefficiencies in care insurance, HD/CDHPs have made possible coverage of millions and, perhaps more importantly, offering more quality in care provision. The decades-long push to reform U.S. healthcare system has, in
fact, yielded solid outcomes in world's most expensive healthcare system. If anything, quality and affordability are now hand in hand and are no longer decoupled as in legacy healthcare plans. That said, HD/CDHPs are not a panacea for each and every challenges in current U.S. healthcare system. Indeed, HD/CDHPs, just any healthcare plan, involve some negative aspects rendering such successful insurance and coverage plan increasingly ineffective for a wide range of insured individuals. On an upside, however, HD/CDHPs have clearly enhanced healthcare quality and affordability for previously under-insured or uninsured persons (Sharpe, 2016). This very well-known and felt advantage, is, however, clouded by subtler, increasingly emerging dis...