High Deductible Insurance Plans Reduce Access to Preventative Care

This study by RAND is the largest survey yet to show the effects of high deductible insurance plans. The study notes that people were less likely to access preventative care when they have a high deductible. People are also less likely to access mental health care when they have a high deductible, particularly if they are middle class or poor.  More research to follow.

RAND Study on High Deductible Plans

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4 responses

  1. Hmmm, interesting study. I wonder what barriers prevent people from seeking preventative care services. When I was looking into HDHPs, all the plans had preventable care services included (i.e. physicals, OB-Gyn visits, mamograms). Everything else you had to pay for prior to reaching the deductible. Perhaps people don’t realize they can receive these services, or are perhaps worried about hidden fees?

  2. Yes, I think having that high deductible just causes people to feel even more insecure about their coverage. Plus I have not seen any high deductible plans that covered any mental health services.

  3. Is any of this related to the ACA?

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