What is a consumer-directed health plan? What are its benefits and limitations?
A consumer-directed health plan combines a high-deductible health plan with a tax-advantaged health reimbursement arrangement or health savings account that enrollees use to pay for a portion of their health expenses. Due to the high deductibles, the premiums are typically low. Proponents of these plans contend that enrollees seek lower-cost healthcare services and only seek care when necessary. Critics contend that only healthier individuals are attracted to these plans. In addition, employers may use these plans to shift the cost of coverage to employees.
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Answer the following statement true (T) or false (F)
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Fill in the blank(s) with the appropriate word(s).