Health Payer Intelligence November 27, 2020
As employers search for new ways to control and reduce healthcare spending, copayments and coinsurance may be useful tools for particular healthcare services.
Copayments and coinsurance can impact care utilization in employer-sponsored health plans depending on the service, a recent study published by Employee Benefit Research Institute (EBRI) found.
“One of the strongest trends in employment-based health benefits has been the adoption by employers of high deductible health plans (HDHPs),” the brief began. “Employers have been increasing deductibles because it is one of the easiest plan design changes to adopt in order to manage the cost of providing health benefits.”
As opposed to other strategies such as switching networks, narrowing networks, adjusting prescription drug formularies, EBRI pointed out that raising...
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