Consumer Driven Health Plans

Mythbusters: The Facts Are In About Consumer-Driven Health (CDH) Plans

Rising health care costs in the United States are causing individuals and employers to seek alternatives that will help control cost. Americans spend thousands and thousands of dollars each year on healthcare; they are trying to save some of that money. Many employers are switching to consumer-driven health (CDH) plans, which are known as high deductible plans.

A CDH plan gives members the opportunity to choose their own healthcare provider and allows them the use of personal health savings accounts (HSAs). Generally, individuals see this as helping them to save.

To find out what CDH plans can actually do for the healthcare system, the article, “Myth busters: The facts are in about Consumer-driven health plans”. (Reindl, W, 2010), looks at a study conducted by CIGNA, a health care organization. The article talks about the future of healthcare and the impact that CDH plans will have on the healthcare system and if CDH plans can help improve the quality of the healthcare system. The article speaks about the costs and quality of healthcare, and the effects of CDH plans on people participating in the program. It also looks at whether CDH plans are beneficial to employers and compares CDH plans to other healthcare programs.

The article goes on to look at the affordability of the plan and how the plan can help with the healthcare reform and the role that it will play. It also talks about persons enrolled in the program, the misinformation that they received that might discourage them from renewing their membership.

Healthcare reform is an ongoing topic today in the United States. I feel because of all the issues that have come about with this topic and the different perspectives from everyone involved, is the reason for the article been written at this time. While the president aims to achieve healthcare policies to improve the health care system for Americans, healthcare insurance...