دورية أكاديمية
Health Savings Accounts No Longer Promote Consumer Cost-Consciousness.
| العنوان: | Health Savings Accounts No Longer Promote Consumer Cost-Consciousness. |
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| المؤلفون: | Glied SA; Sherry A. Glied (sg162@nyu.edu), New York University, New York, New York., Remler DK; Dahlia K. Remler, Baruch College, City University of New York, New York, New York., Springsteen M; Mikaela Springsteen, New York University. |
| المصدر: | Health affairs (Project Hope) [Health Aff (Millwood)] 2022 Jun; Vol. 41 (6), pp. 814-820. |
| نوع المنشور: | Journal Article; Research Support, Non-U.S. Gov't |
| اللغة: | English |
| بيانات الدورية: | Publisher: Project Hope Country of Publication: United States NLM ID: 8303128 Publication Model: Print Cited Medium: Internet ISSN: 1544-5208 (Electronic) Linking ISSN: 02782715 NLM ISO Abbreviation: Health Aff (Millwood) Subsets: MEDLINE |
| أسماء مطبوعة: | Publication: Original Publication: Millwood, Va. : Project Hope, c1981- |
| مواضيع طبية MeSH: | Health Benefit Plans, Employee* , Medical Savings Accounts*, Consciousness ; Deductibles and Coinsurance ; Humans ; Insurance, Health ; Taxes ; United States |
| مستخلص: | Two decades ago Congress enabled Americans to open tax-favored health savings accounts (HSAs) in conjunction with qualifying high-deductible health plans (HDHPs). This HSA tax break is regressive: Higher-income Americans are more likely to have HSAs and fund them at higher levels. Proponents, however, have argued that this regressivity is offset by reductions in wasteful health care spending because consumers with HDHPs are more cost-conscious in their use of care. Using published sources and our own analysis of National Health Interview Survey data, we argue that HSAs no longer appreciably achieve this cost-consciousness aim because cost sharing has increased so much in non-HSA-qualified plans. Indeed, people who have HDHPs with HSAs are becoming less likely than others with private insurance to report financial barriers to care. In sum, promised gains in efficiency from HSAs have not borne out, so it is difficult to justify maintaining this regressive tax break. |
| تواريخ الأحداث: | Date Created: 20220606 Date Completed: 20220608 Latest Revision: 20220720 |
| رمز التحديث: | 20240829 |
| DOI: | 10.1377/hlthaff.2021.01954 |
| PMID: | 35666974 |
| قاعدة البيانات: | MEDLINE |
Full Text Finder | تدمد: | 1544-5208 |
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| DOI: | 10.1377/hlthaff.2021.01954 |