<p> Consumer-directed health plans (CDHPs) are insurance options for employers offering benefits, and for individuals wanting more responsibility in their healthcare decision-making. These plans seek to control costs by shifting financial accountability from insurers to consumers. Consisting of a high-deductible health plan, a health savings account, and information tools, consumer-directed health plans attempt to promote greater value in health care spending. Data from the 2011-2012 California Health Interview Survey was used to identify the demographic and socioeconomic characteristics associated with individuals choosing a CDHP. As hypothesized, a Chi-square analysis determined that educational attainment was associated with choosing a CDHP (χ<sup>2</sup>(9, <i>N</i>=1240) = 33.296, <i> p</i>=. 000). Statistical support was not found for annual income, self-reported health, and number of doctor visits. Limitations surrounding the sample size and working definition of a high deductible may have prohibited a more complete investigation; educational attainment is a key indicator of a more cost-conscious consumer.</p>
| Identifer | oai:union.ndltd.org:PROQUEST/oai:pqdtoai.proquest.com:1586165 |
| Date | 21 April 2015 |
| Creators | Quezada, Derrick W. |
| Publisher | California State University, Long Beach |
| Source Sets | ProQuest.com |
| Language | English |
| Detected Language | English |
| Type | thesis |
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