Do Consumer Directed Health Plans Bend The Cost Curve Over Time

With three decades of experience in a variety of healthcare, pharmaceutical, and biotechnology firms, respected healthcare consultant, Kim Slocum applies a uniquely broad viewpoint to the U.S. healthcare crisis. He discusses how the system has evolved and debunks various myths that continue to persist. Exploring potential solutions, he balances many diverse and conflicting factors, including the movement to make healthcare more patient-centered and the growing trend to transfer significant portions of financial risk to patients via high-deductibles. Slocum closes the book by discussing what a successful consumer-directed system might look like and what steps would be required to make it happen.

The American ability to inspire—which we call exceptionalism—is not automatic. It takes continued efforts to be realized in a changing world. In this book, scholars at the Hoover Institution—professors, thinkers, and practitioners of global renown in their respective fields—offer a series of accessible policy ideas for civic, economic, and security architecture that would shore up the long-term foundations of American strengths. Blueprint for America takes a beyond-the-Beltway look at the basic policies that should be prioritized by the next president and Congress. Economists Michael Boskin, John Cogan, John Cochrane, and John Taylor address questions of entitlement reform, deficits, monetary reform, national debt, and regulatory and tax reform. Scott Atlas draws on his experience in the practice of medicine to tackle the Affordable Care Act and propose incentive-based health care reforms. Cochrane returns to reframe the hot-button political discourses on immigration and international trade. Eric Hanushek addresses the current performance--and reform--of K–12 education. Retired admiral James Ellis, retired general Jim Mattis, and Kori Schake offer their visions of how to restore America's national security through proactive and realistic agenda setting. Ellis follows with a rethink of energy security strategy in an era of abundance and James Goodby expounds on the country's practice of diplomacy in a time of turbulent transition. George Shultz draws from his experiences in government, industry, and academia to lead off each section with a range of clear-eyed observations on spending, human resources, foreign policy, and, in conclusion, the art of governance. The spirit of Blueprint for America is positive and grounded in first principles, offering ideas, diagnoses, solutions, and road maps for the long view.

In a collection of essays, renowned historians, economists, political scientists, and other leading scholars examine free-market capitalism, socialism, and hybrid systems to assess how well each contributes to social and economic prosperity. Free-market capitalism, characterized by private ownership and market-determined allocation of goods and services, is often credited with generating economic growth and high average income. But in an era of widening economic disparity, many people are challenging capitalism's precepts and looking favorably upon socialism, which in its traditional form couples government ownership of much of the means of production with substantial centrally determined allocation. Many of socialism's current adherents support a European-style social democracy that does not seek to abolish private property or redistribute wealth but calls for expanded government regulation and progressive taxation for improvements in public safety, health, and welfare. Meanwhile, other critics of capitalism call for a universal basic income. The contributors to this volume bring a multifaceted approach to their inquiry, examining the competing systems through many perspectives: their history and philosophies; their impact on important social goals such as labor policy, the environment, and health care; and their political consequences for individual liberty and freedom, strategic relations with other countries, and long-term peace.

For years, North Carolina has been one of the nation's fastest-growing states, bringing tremendous change to the state's people, industries, jobs, places, environment, and government. Much of this change resulted from the information and technology revolution, which connected the state more fully to the country and the world. But we are now moving beyond the connected age, argues Michael L. Walden, to a new era of living, production, and work, and North Carolina faces not only unanswered questions about the past but also new challenges and opportunities visible on the horizon. What will these new transformations mean for the state's people, places, and prosperity? In this book, Walden lays out these looming economic issues and offers predictions of future trends as well as multiple policy options for taxation, infrastructure, and environmental issues. While the future cannot be perfectly predicted, Walden's expert analysis is mandatory reading for policy makers, business leaders, and everyday people seeking to prepare for upcoming changes in North Carolina's economy.

The book provides an overview of the major features of US health care and an outline of the reforms required to impose more discipline on costs without compromising quality and innovation. A major theme is the need for building a regulatory structure around the choices available to consumers to allow them to find higher-value and lower-cost options for the services they need.

There is significant debate regarding the quality of the national health system of the United States relative to those of other countries. The U.S. healthcare system has been heavily criticized as a highly inefficient, disorganized, fragmented, and under-resourced primary care system that contributes to high healthcare costs, high rates of uninsured individuals, and a number of health problems in comparison to the situation in other Western nations. Further, the United States is currently the only wealthy industrialized country that has not achieved universal health coverage. Together, these reasons help explain why important health indicators have been deteriorating recently. Assessing the Need for a Comprehensive National Health System in the United States seeks to thoroughly examine several key aspects related to the U.S. health system and presents different perspectives, provides facts and data-based assessment, and offers alternative strategies, policies, and realistic options towards a better and healthier U.S. society. Covering key topics such as telehealth, social justice, and healthcare workers, this reference work is ideal for health professionals, nurses, government officials, policymakers, researchers, scholars, practitioners, instructors, and students.

"Consumer-directed health plans (CDHP) combine a high-deductible health plan with a tax-advantaged account, such as a health reimbursement arrangement (HRA), that enrollees can use to pay for health care expenses. In an effort to restrain cost growth, several employers, including the federal government through its Office of Personnel Management (OPM), have offered HRAs for several years.For enrollees in HRAs compared with those in traditional plans such as preferred provider organization (PPO) plans, GAO assessed (1) differences in health status, and (2) changes in spending and utilization of health care services. GAO analyzed data from two large employers-one public and one private-that introduced an HRA option in 2003. GAO compared changes in health spending and utilization before and after 2003 for enrollees who switched from a PPO into an HRA (the HRA group) with those who stayed in a PPO (the PPO group). At the time GAO made its data requests to each employer, 2007 data from the public employer and 2005 data from the private employer were the most current and complete data available. GAO also reviewed published studies that included an assessment of the health status, spending, or utilization of HRA and other CDHP enrollees compared..."