Consumer-directed health care: it's not whether the glass is half-empty, but why

Abstract

Analyses of consumer-directed health plans often focus on how use of services under such a plan compares with what use would have been under a more comprehensive benefit design. That's a natural perspective for analysts who observe movement from a world of rich coverage to one of more limited coverage. But the comparison may confuse the message with the messenger. In a world where employers are seeking any port in a storm of unsustainable cost growth, it might be more useful to compare offering a consumer-directed plan to other options that employers could have chosen in constraining health costs.