Assessing the Impact of High-Deductible Health Plans


High-deductible health plans (HDHPs) are a focal point in discussions about how to contain health care costs. In June 2004, Kaiser Permanente (KP) began offering these plans, and to date it has enrolled approximately 80,000 individuals. For this study, researchers will assess the impact of HDHPs on health care consumption, costs, and health outcomes by examining KP plan data and interviewing approximately 2,500 enrollees. The research team will be comparing the experiences of enrollees before and after they switched to an HDHP, as well as with a comparison group of KP members who did not join an HDHP. Additional analyses will gauge the effects of these plans on low-income enrollees and chronically ill patients. Findings will inform national policy as well as benefit plan design within the private sector. KP will provide $327,681 in cofunding for the project.

Grant Details

Grantee Organization:
Kaiser Foundation Research Institute
Principal Investigator:
John Hsu, M.D., M.B.A., M.S.C.E.
Award Amount:
Approval Date:
April 12, 2005

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