期刊
HEALTHCARE
卷 9, 期 9, 页码 -出版社
MDPI
DOI: 10.3390/healthcare9091090
关键词
high deductible plan; health savings account; cancer survivors; access; cost; utilization
资金
- National Institutes of Health (NIH), National Center for Advancing Translational Sciences (NCATS) [UL1TR003107]
- Arkansas Tobacco Settlement Fund [FPC/AWD54190]
The study found that non-elderly adult cancer survivors with continuous private coverage enrolled in HDHP with HSA had lower healthcare costs compared to those enrolled in HDHP without HSA and LDHP. The HDHP+HSA group had significantly higher out-of-pocket expenses compared to LDHP, but no significant differences were observed in utilization or access among groups.
Background: To compare healthcare expenditure, utilization and access between nonelderly adult cancer survivors enrolled in a high deductible health plan with a health savings account (HDHP+HSA), HDHP without HSA (HDHP alone) and low deductible health plan (LDHP). Methods: 1735 cancer survivors, aged 18-64 years, with continuous private coverage identified from the 2012-2017 Medical Expenditure Panel Survey: HDHP alone (n = 353), HDHP+HSA (n = 242) and LDHP (n = 1140). Healthcare expenditures, utilization and inability/delay obtaining medical care were analyzed using generalized linear regressions with inverse propensity score weighting and doubly robust estimation. Results: HDHP alone group (23,255 USD) had significantly higher total healthcare expenditure compared to HDHP+HSA (15,580 USD, p = 0.012) and LDHP (16,261 USD, p = 0.016). HDHP alone (6089 USD; p = 0.002) and HDHP+HSA (5743 USD; p = 0.012) groups had significantly higher out-of-pocket (OOP) expenditure compared to LDHP (4853 USD). HDHP alone (17,128 USD, p = 0.010) and LDHP (12,645 USD, p = 0.045) had significantly higher private insurer payments compared to HDHP+HSA (9216 USD). No differences were found in utilization or inability/delay obtaining medical care across groups. Conclusions: Non-elderly adult cancer survivors with continuous coverage and comparable sociodemographic characteristics enrolled in HDHP with HSA displayed the lowest healthcare costs compared to HDHP without HSA and LDHP. HDHP+HSA had a significantly higher OOP expenditure than LDHP. No significant differences were observed in utilization or access among groups.
作者
我是这篇论文的作者
点击您的名字以认领此论文并将其添加到您的个人资料中。
推荐
暂无数据