HCSC studied more than five years of data on more than 265,000 people who moved from traditional health plan coverage to CDHP coverage. CDHP plans have a higher deductible, encouraging consumers to get more involved in their healthcare.
The following results show that individuals who migrated from a non-CDHP plan to a CDHP plan decreased healthcare utilization and increased their use of preventive services, which led to reduced healthcare spending:
• CDHP members reduced healthcare utilization by an aggregate of more than 12 percent compared with their utilization under a non-CDHP plan.
• CDHP members decreased emergency room visits by 12 percent after moving from a non-CDHP plan.
• CDHP members were on average 4 percent more likely to use preventive services than when they had a non-CDHP plan.
• Members spent 24 percent less on inpatient hospital services and 8 percent less on outpatient services after they moved from a non-CDHP to a CDHP plan.
• Members reduced combined medical and pharmacy spend by an aggregate of 11 percent after transitioning from a non-CDHP plan to a CDHP plan.
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