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Across reviewed work, savings do not stem from avoiding appropriate care; preventive services increase and recommended chronic-care and evidence-based protocols are maintained at equal or higher levels. The report also evaluates the likelihood of employer cost shifting and highlights key areas for further 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do the reviewed studies conclude about first-year cost savings for CDH plans?","Question",{"text":62,"@type":63},"All studies show a favorable effect on first-year costs, with CDH plan trends ranging from about -4% to -15% versus roughly +8% to +9% for traditional plans.","Answer",{"name":65,"@type":60,"acceptedAnswer":66},"Do the studies suggest that CDH savings come from avoiding necessary care?",{"text":67,"@type":63},"No. The studies report that cost savings did not result from avoidance of appropriate care, and necessary care was received in equal or greater degrees relative to traditional plans.",{"name":69,"@type":60,"acceptedAnswer":70},"What major topics does the report identify for further research?",{"text":71,"@type":63},"Further validation of ongoing trend differences, factors influencing enrollment elections in choice environments, how wellness utilization changes under first-dollar coverage, and comparisons of underwritten CDH trends across individual versus employer-provided markets.","https://schema.org",{"og:url":32,"og:type":74,"og:title":10,"og:site_name":45,"og:description":12},"article",{"robots":76,"canonical":32},"index,follow",{"doc_id":78,"site_id":7},386503,1792094502,{"code":4,"msg":81,"data":82},"success",[83,87,91,95,100,105,109,114,119,122,126],{"id":22,"doc_module":4,"doc_module_name":25,"category_name":84,"show_sort_weight":85,"slug":86},"Story & 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Actuaries Consumer-Driven Health Plans Work Group  \nEmerging Data on Consumer-Driven Health Plans  \nPrepared by the American Academy of Actuaries Consumer-Driven Health Plans Work Group  \nDavid M. Tuomala, MAAA, FSA, Chairperson  \nKaren Bender, MAAA, ASA, FCA Frederick Busch, MAAA, FSA Johnathan D. Chernick, MAAA, FSA Edward Jay Coldwell, MAAA, FSA Bradley D. Edmister, MAAA, ASA Troy M. Filipek, MAAA, FSA, FCA Brian J. Fuller, MAAA, ASA  \nBrent Lee Greenwood, MAAA, ASA Penny R. Hahn, MAAA, ASA  \nJ. Christopher Hall, MAAA, FSA Craig M. Huval, MAAA, ASA  \nCara M. Jareb, MAAA, FSA Vincent M. Kane, MAAA, FSA Valerie A. Lendt, MAAA, FSA Douglas B. Levit, MAAA, FSA, FCA Roger Loomis, MAAA, FSA  \nMac McCarthy, MAAA, FSA, FCA James J. Murphy, MAAA, FSA, FCA Jeffrey J. Nohl, MAAA, FSA Donna C. Novak, MAAA, ASA, FCA James T. O'Connor, MAAA, FSA David F. Ogden, MAAA, FSASunit R. Patel, MAAA, FSA  \nDaniel R. Plante, MAAA, ASA, FCA Daniel S. Pribe, MAAA, FSA  \nBernard Rabinowitz, MAAA, FSA, CERA  \nBrent W. Seiler, MAAA, FSA Eric P. Sock, MAAA, FSA, FCA Robert P. Stahnke, MAAA, FSA Michael G. Sturm, MAAA, FSA Tammy P. Tomczyk, MAAA, FSA Mark D. Wernicke, MAAA, FSA  \nThe work group also would like to thank organizations that provided results from the studies included in this monograph. The group would also specifically like to thank Fritz Busch, Brian Fuller, Mac McCarthy, Robert Stahnke, and David Tuomala for their work drafting this monograph.  \nThe American Academy of Actuaries is a professional association with over 16,000 members, whose mission is to assist public policymakers by providing leadership, objective expertise, and actuarial advice on risk and financial security issues. The Academy also sets qualification, practice, and professionalism standards for actuaries in the United States.  \nExecutive Summary  \nConsumer-driven health (CDH) products have been marketed in various forms since the early 2000s. While emerging data is not entirely conclusive, general directional conclusions can be drawn from the studies published to date. This monograph summarizes the results of some of those studies, focusing on the ones that are based on historical claims data, that use credible methodologies, and that provide reasonably detailed and relevant results. The studies reviewed were:  \n Making an Impact—Aetna Health Fund (2008)  \n CIGNA Choice Fund: Two Year Experience Study, 2005-2006 (March 2008)  \n Reden & Anders—Consumer Directed Health Care: A Look at Current Experience (November 2006)  \n Uniprise—2008 CDHP Results Discussion (March 2008)  \nThis monograph focuses on the most recent version of each study identified above, but it should be noted that many of the studies included have been repeated multiple times for growing data sets over the past few years. In general, the previous versions of these studies show similar results as the ones that are discussed in this monograph.  \nThe observations of this monograph are organized around four main questions that are frequently raised regarding CDH plans:  \n Do CDH designs result in any first-year cost savings and/or favorable effects on cost trends beyond the first year?  \n Are the apparently positive results presented by market participants real or the result of favorable selection?  \n Are cost savings generated at the expense of necessary care or the result of delayed or inappropriate avoidance of care?  \n Are CDH plans merely a device for employers to shift more of the total benefit cost to employees?  \nWith regard to first-year cost savings, all studies showed a favorable effect on cost in the first year of a CDH plan. CDH plan trends ranged from-4 percent to-15 percent. Coupled with a control population on traditional plans that experienced trends of +8 percent to +9 percent, the total savings generated could be as much as 12 percent to 20 percent in the first year. All studies used ","cbCaimE7Gd7Osfii","https://ap.wps.com/l/cbCaimE7Gd7Osfii","pdf",567472,18,"English","# Executive Summary\n## Studied CDH Products and Reviewed Studies\n## Key Questions Addressed in the Findings\n## First-Year Cost Effects and Control Comparisons\n## Post–First-Year Trend Differences\n## Care Avoidance, Preventive Services, and Chronic Care\n## Employer Cost-Shifting Assessment\n## Areas Requiring Further Research\n# Introduction\n## Market Context Since the Early 2000s","[{\"question\":\"What do the reviewed studies conclude about first-year cost savings for CDH plans?\",\"answer\":\"All studies show a favorable effect on first-year costs, with CDH plan trends ranging from about -4% to -15% versus roughly +8% to +9% for traditional plans.\"},{\"question\":\"Do the studies suggest that CDH savings come from avoiding necessary care?\",\"answer\":\"No. The studies report that cost savings did not result from avoidance of appropriate care, and necessary care was received in equal or greater degrees relative to traditional plans.\"},{\"question\":\"What major topics does the report identify for further research?\",\"answer\":\"Further validation of ongoing trend differences, factors influencing enrollment elections in choice environments, how wellness utilization changes under first-dollar coverage, and comparisons of underwritten CDH trends across individual versus employer-provided markets.\"}]","Emerging Data on Consumer-Driven Health Plans - May 2009 | PDF",1790274061,45]