Evidence map›Paper›PMID 34254295›Full record

ArticleHealth services research2022

Do high-deductible health plans affect price paid for childbirth?

Betsy Q Cliff

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Article in Health services research, 2022. The graph could read no effect estimate from its abstract, so it casts no vote on the map. Cited by 4 papers.

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4citing papers in PubMed
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1 · What the graph read from it

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3 · Its place in the literature

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4 citing papers in PubMed.

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4 · The record

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5 · Who and what money

Authors and funding

1 author.

Betsy Q CliffDivision of Health Policy & Administration, University of Illinois Chicago, Chicago, Illinois, USA.ORCID 0000-0002-0120-7439

Funding

Institutional Career DevelopmentKL2TR002002 · NCATS · UNIVERSITY OF ILLINOIS AT CHICAGO · PI PHILLIPS, SHANE A · 2016 to 2024
$6.8M
Harnessing Consumer Price Sensitivity: The Impact of Two Insurance Benefit Design Types on Demand for CareR36HS025614 · AHRQ · UNIVERSITY OF MICHIGAN AT ANN ARBOR · PI CLIFF, ELIZABETH QUERNA · 2018 to 2018
$42k
AHRQ HHS R36 HS025614NCATS NIH HHS KL2 TR002002
6 · The paper itself

Abstract

objectiveTo test whether out-of-pocket costs and negotiated hospital prices for childbirth change after enrollment in high-deductible health plans (HDHPs) and whether price effects differ in markets with more hospitals. DATA SOURCES: Administrative medical claims data from 2010 to 2014 from three large commercial insurers with plans in all U.S. states provided by the Health Care Cost Institute (HCCI). STUDY

designI identify employer groups that switched from non-HDHPs in 1 year to HDHPs in a subsequent year. I estimate enrollees' change in out-of-pocket costs and negotiated hospital prices for childbirth after HDHP switch, relative to a comparison group of employers that do not switch plans. I use a triple-difference design to estimate price changes for enrollees in markets with more hospital choices. Finally, I re-estimate models with hospital-fixed effects. DATA COLLECTION: From the HCCI sample, childbearing women enrolled in an employer-sponsored plan with at least 10 people. PRINCIPAL

findingsSwitching to an HDHP increases out-of-pocket cost $227 (p < 0.001; comparison group base $790) and has no meaningful effect on hospital-negotiated prices (-$26, p = 0.756; comparison group base $5821). HDHP switch is associated with a marginally statistically significant price increase in markets with three or fewer hospitals ($343, p = 0.096; comparison group base $5806) and, relative to those markets, with a price decrease in markets with more than three hospitals (-$512; p = 0.028). Predicted prices decrease from $5702 to $5551 after HDHP switch in markets with more than three hospitals due primarily to lower prices conditional on using the same hospital.

conclusionsPrices for childbirth in markets with more hospitals decrease after HDHP switch due to lower hospital prices for HDHPs relative to prices at those same hospitals for non-HDHPs. These results reinforce previous findings that HDHPs do not promote price shopping but suggest negotiated prices may be lower for HDHP enrollees.

Indexed as

Deductibles and CoinsuranceDelivery, ObstetricFemaleHealth Benefit Plans, EmployeeHealth ExpendituresHealth Services ResearchHumansPregnancyUnited Statesconsumer behaviorhigh-deductible health planshospital pricesinsurance benefit designprice shopping

Identifiers

PMID34254295
PMCPMC8763287

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Read under generation 80e0d062 · epoch 390. Bibliography from PubMed, PubMed Central and OpenAlex; grants from NIH RePORTER; trial links from ClinicalTrials.gov; estimates, votes and beliefs from the OpenQuestion graph.