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How High Is Too High? Implications of High-Deductible Health Plans
The Commonwealth Fund 
Apr. 20, 2005
Excerpt: The major purported advantages of HDHPs are that they will a) lower health care costs by causing patients to be more cost-conscious, and b) make insurance premiums more affordable for the uninsured. This report, based on the Commonwealth Fund Biennial Survey of Health Insurance ..., finds that such plans are unlikely to have a substantial effect on either costs or coverage. [The 42 page full report is at http://www.cmwf.org/usr_doc/816_Davis_how_high_is_too_high_implications_HDHPs.pdf.]
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