Risk Segmentation Related to the Offering of a Consumer-Directed Health Plan: A Case Study of Humana Inc

Objective. To determine whether the offering of a consumer‐directed health plan (CDHP) is likely to cause risk segmentation in an employer group. Study Setting and Data Source. The study population comprises the approximately 10,000 people (employees and dependents) enrolled as members of the employ...

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Veröffentlicht in:	Health services research 2004-08, Vol.39 (4p2), p.1167-1188
Hauptverfasser:	Tollen, Laura A., Ross, Murray N., Poor, Stephen
Format:	Artikel
Sprache:	eng
Schlagworte:	Adult Aged Choice Behavior Company personnel management Consumer Behavior - economics Consumer Behavior - statistics & numerical data Consumer-directed health plans Consumer-driven health plans Cost sharing Cost Sharing - statistics & numerical data Deductibles and Coinsurance Employees Evaluation Evidence about Utilization and Expenditures Female Group health insurance Health Benefit Plans, Employee - economics Health Benefit Plans, Employee - standards Health insurance Health maintenance organizations Health risk assessment Health Services Needs and Demand HMOs Human resource management Humans Insurance companies Insurance coverage Insurance premiums Insurance Selection Bias Kentucky Male Managed Care Programs - economics Managed Care Programs - standards Managed Care Programs - statistics & numerical data Medical savings accounts Medical Savings Accounts - economics Medical Savings Accounts - standards Medical Savings Accounts - statistics & numerical data Methods Middle Aged Organizational Case Studies Poverty Risk Assessment Risk management risk segmentation risk selection Self insurance Socioeconomic Factors Statistical analysis Studies Time Factors United States
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