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See Latest ArticlesConsumer-Driven Health Care: The Changing Nature of Health Insurance
American Journal of Lifestyle Medicine, 09/18/09
Herrick DM – Consumer–driven health care (CDHC) plans are a new health insurance paradigm that lets consumers control some of their own health care dollars. It also provides financial incentives to manage medical spending wisely while affording consumers greater choice and control over the types of medical services received. The premise of CDHC is coupling a tax–preferred, personal health account, used to fund day–to–day medical expenses, with a high–deductible health plan to fund care of a catastrophic nature. When individuals enter the medical marketplace, they will spend first from their health savings accounts, health reimbursement arrangements, or flexible spending accounts. Once they reach their deductible, insurance pays all remaining costs.
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