A Classic: The RAND Health Insurance Experiment

We would be remiss In our discussion of the health insurance marketplace if we did not include one of the best social experiments of all time, the RAND Health Insurance Experiment. This often cited study, conducted from 1974 to 1977, Continue Reading …

The Impact of Consumer-Directed Health Plans on Prescription Drug Use

Consumer-directed health plans (CDHPs) combine high-deductible insurance coverage with tax-exempt personal spending accounts, allowing enrollees to pay for their medical costs before reaching the deductible from either their own pocket or with money from the account.  The argument is that Continue Reading …