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Patient Responses to Incentives in Consumer-Directed Health Plans: Evidence from Pharmaceuticals
National Bureau of Economic Research [NBER]Link to more items from this source
Feb. 9, 2015
"In the first [employer's] CDHP, pharmaceuticals were subject to the deductible, while in the second [employer's plan] pharmaceuticals were exempt. Employees in the first firm responded along all three margins: they shifted the timing of drug purchases to periods with lower cost sharing and they were more likely to shift to low-cost drugs, but the largest effect of change in plan design was to reduce adherence. These findings vary across drug classes depending on the availability of lower-cost but equally effective drugs. Employees in the second firm also reduced adherence, but did not measurably shift the timing or use of low cost drugs."

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