About: Consumer-driven healthcare

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Consumer-driven healthcare (CDHC), or consumer-driven health plans (CDHP) refers to a type of health insurance plan that allows employers and/or employees to utilize pretax money to help pay for medical expenses not covered by their health plan. These plans are linked to health savings accounts (HSAs), health reimbursement accounts (HRAs), or similar medical payment accounts. Users keep any unused balance or "rollover" at the end of the year to increase future balances or to invest for future expenses. They are a high-deductible health plan which has cheaper premiums but higher out of pocket expenses, and as such are seen as a cost effective means for companies to provide health care for their employees.

Attributes	Values
rdfs:label	Consumer-driven healthcare (en)
rdfs:comment	Consumer-driven healthcare (CDHC), or consumer-driven health plans (CDHP) refers to a type of health insurance plan that allows employers and/or employees to utilize pretax money to help pay for medical expenses not covered by their health plan. These plans are linked to health savings accounts (HSAs), health reimbursement accounts (HRAs), or similar medical payment accounts. Users keep any unused balance or "rollover" at the end of the year to increase future balances or to invest for future expenses. They are a high-deductible health plan which has cheaper premiums but higher out of pocket expenses, and as such are seen as a cost effective means for companies to provide health care for their employees. (en)
dcterms:subject	Health care reform Health insurance in the United States
Wikipage page ID	7304558 (xsd:integer)
Wikipage revision ID	1106088520 (xsd:integer)
Link from a Wikipage to another Wikipage	Carlson School of Management American Academy of Actuaries Health care reform Annals of Internal Medicine Humana Joseph Newhouse UnitedHealth Group United States Congress University of Minnesota Deductible Insurance University of Illinois at Chicago Medicare Prescription Drug, Improvement, and Modernization Act George W. Bush Singapore Preferred provider organization RAND Health Insurance Experiment Health care prices in the United States Health economics Health reimbursement account Health savings account Aetna Affordable Care Act Department of Veterans Affairs Insurance premium Harvard University Health insurance Health technology in the United States Health insurance in the United States China John C. Goodman Kaiser Family Foundation Taiwan High-deductible health plan Tax Transparency (market) South Africa Free market Consumers for health care choices RAND Corporation Blue Cross and Blue Shield Association Affordable Care Act Medical savings account Flexible spending account Stephen T. Parente Health Reimbursement Arrangement Health care systems Consumer satisfaction dbr:MyMedicalShopper
Link from a Wikipage to an external page	http://www.actuary.org/pdf/health/cdhp_jan04.pdf http://www.treasury.gov/resource-center/faqs/Taxes/Pages/Health-Savings-Accounts.aspx%7Ctitle=Health
sameAs	Consumer-driven healthcare Consumer-driven healthcare Consumer-driven healthcare
dbp:wikiPageUsesTemplate	dbt:Citation_needed dbt:Cite_web dbt:Primary_source_inline dbt:Reflist dbt:Short_description dbt:Update_inline dbt:Hus
has abstract	Consumer-driven healthcare (CDHC), or consumer-driven health plans (CDHP) refers to a type of health insurance plan that allows employers and/or employees to utilize pretax money to help pay for medical expenses not covered by their health plan. These plans are linked to health savings accounts (HSAs), health reimbursement accounts (HRAs), or similar medical payment accounts. Users keep any unused balance or "rollover" at the end of the year to increase future balances or to invest for future expenses. They are a high-deductible health plan which has cheaper premiums but higher out of pocket expenses, and as such are seen as a cost effective means for companies to provide health care for their employees. In this system, health care costs are first paid for by an allotment of money provided by the employer in an HSA or HRA. Once health care costs have used up this amount, the consumer pays for health care until the deductible is reached, after this point, it operates similar to a typical PPO. Once the out-of-pocket maximum is reached, the health plan pays all further costs. CDHC plans are subject to the provisions of the Affordable Care Act, which mandates that routine or health maintenance claims must be covered, with no cost-sharing (copays, co-insurance, or deductibles) to the patient. Proponents suggest the plans increase free-market variables in the healthcare system, fostering competition, which, in turn, lowers prices and stimulates improvements in service. Critics argue they cause those less wealthy and educated to avoid needed and appropriate healthcare because of the cost burden. (en)
prov:wasDerivedFrom	wikipedia-en:Consumer-driven_healthcare?oldid=1106088520&ns=0
page length (characters) of wiki page	22519 (xsd:nonNegativeInteger)
foaf:isPrimaryTopicOf	wikipedia-en:Consumer-driven_healthcare
is Link from a Wikipage to another Wikipage of	Private exchange Beverly Gossage Comparison of the healthcare systems in Canada and the United States Health technology Healthcare industry HSA Bank Healthgrades High-deductible health plan Consumer-driven health care Consumer driven health plan Stephen T. Parente Consumer Driven Health Plan Consumer directed health care Consumer driven health care Consumer driven health plans CDHP CDHPs
is Wikipage redirect of	Consumer-driven health care Consumer driven health plan Consumer Driven Health Plan Consumer directed health care Consumer driven health care Consumer driven health plans CDHP CDHPs
is foaf:primaryTopic of	wikipedia-en:Consumer-driven_healthcare

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