A new study by the Rand Corporation indicates people on high-deductible health plans significantly reduce their healthcare spending – but they're also cutting back on preventive care.
The study of more than 800,000 families across the country showed that when families changed to health plans that carried an annual deductible of $1,000 or more per person, their healthcare spending dropped by an average of 14 percent. Healthcare spending was also lower for those same families with a moderate health savings account.
Savings decreased, however, for families with an HSA where employers contributed more than half of an individual’s deductible.
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