A new study from a team of Harvard researchers explores how health insurance plans with high deductibles effect the care that families do, and don’t, seek. Results show that enrollees in high deductible health plans do tend to delay care — but only for the healthy. Researchers found that, among families where at least one member has a chronic condition, other members of the family postponed care in order to save on costs. So , in families where the child had a chronic condition, the healthier adult tended to be the one reporting holding off. For those with an unhealthy adult, however, it was the opposite: Care for children got delayed. What this study couldn’t prove was whether the delayed care was essential. If the care was indeed needed, that could be problematic and costly, leading to higher health care costs for any complications that arise down the line. If it wasn’t, it would signal a high deductible health plan working as it should, encouraging individuals not to seek the care they don’t need.
Your resource for news, research and analysis to help you deliver more effective outcomes to your clients.
ThinkAdvisor's TechCenter is an educational resource designed to give you a competitive edge by keeping you abreast of new tech innovations and need-to-know information that can be applied to your business.
A survey of advisors nationwide reveals how the use of ETFs is expanding and what factors are likely to further support this trend.
How to use digital marketing to increase appointments.
Find out how you can get qualified and closable annuity leads.
Use this tool to help your clients understand more about Health Savings Accounts and the role they play in their financial future.
Nov 02, 2017
Join this conversation as a panel of experts provides tips and best practices to optimize your tech resources for business growth.
Oct 25, 2017
Join this complimentary webcast to discover how to leave the impression that employee benefits is stodgy and sluggish in the past.
Sep 28, 2017
Women face unique retirement challenges. We can give you key considerations and strategies to help you optimize your female clients’ Social Security. In this webcast, you’ll...