For those of you who may have caught WRAL’s Headline Saturday where I talked about our ailing healthcare system, I promised you studies that indicate increased likelihood that folks with HSAs would get preventive care. Here they are:
1. On the incentives/providers side, there’s this study from AHIP.
2. In this study, use of preventive care increased over traditional HMOs and PPOs! (And no, Cigna has no incentive to bias the study in favor of the consumer driven option. Quite the contrary.)
To the latter study: are people with HSAs less likely to procrastinate on getting care with HSAs, HDHPs?
"No," says the Georgia Public Policy Institute (GPPI) referring to a Cigna study: "regardless of the type of insurance policies, Americans tend to procrastinate in going to the doctor. A comparison of HSA-eligible plans to others shows HSA enrollees are no more likely to forego care:
-Did Not Go To Doctor: 18% of HSAs; 18% of other plan types
-Delayed Treatment: 17% of HSAs; 17% of other plan types
-Delayed Prescription: 15% of HSAs; 15% of other plan types"
Folks like my counterpart on the show, Adam Searing, would have you believe that HSAs and HDHPs are "crazy". Maybe my family and I are crazy, but we like our consumer driven plan and we don’t need busybodies to make our healthcare choices for us, or to obscure the facts about the benefits of such plans–plans we have enjoyed.
(Note: In a sickening turn of events, Democrats have begun trying to dismantle efforts to have more health freedom.)