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Volume 332:1164-1168 April 27, 1995 Number 17
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Cost Sharing in Health Insurance — A Reexamination

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Concern that the terms of some health insurance policies encourage overuse of medical care has led to the argument that an important element of cost containment is cost consciousness on the consumer's part. Comprehensive health care reform in the United States now appears very unlikely. Nevertheless, there is still a high degree of interest in making consumers more cost conscious.1

Two approaches are often proposed. The first is to increase the level of cost sharing specified in insurance policies by raising copayments or coinsurance rates and to make cost sharing a part of every policy. The second is to require . . . [Full Text of this Article]

Cost Sharing and Use of Services

Cost Sharing and Unnecessary Care

Cost Sharing and Prevention

Cost Sharing and Health Outcomes

Cost Sharing and the Behavior of Physicians

Cost Sharing and Shopping around

Causes of High Expenditures

Financial Incentives to Purchase Less Expensive Health Insurance

References


Related Letters:

Cost Sharing in Health Insurance
Rubin R. J., Mendelson D. N., Rasell M. E.
Extract | Full Text  
N Engl J Med 1995; 333:733-734, Sep 14, 1995. Correspondence

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