Study of the Effects of High-Deductible Health Plans on Families with Chronic Conditions

This project analyzed the impact of high-deductible health plans on families who do not have a choice in health plans. The researchers examined the effect of high deductibles on family health care decision making strategies, unmet health care needs, and the financial burden for families relative to that of traditional plans. They also explored whether one family member’s health or resource use influences that of other family members, particularly when one member has a chronic condition. The objective of the project was to inform policymakers about the potential advantages and disadvantages of high-deductible plans for families dealing with chronic conditions, especially when they have no choice in health plans.