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Instructions for Assignment
In Chapter 8 we read the following: “In another response to the managed care ‘backlash’, increasing numbers of employers began allowing employees to make personal decisions about their coverage. A consumer-driven health plan typically consists of either a health reimbursement arrangement or a health savings account (HSA). Eligibility for an HSA requires the employee’s enrollment in a high deductible health insurance plan, which typically exceeds the employer contribution, putting the employee at risk for higher out-of-pocket costs.”
This assignment aims to allow you to explore the topic of high deductible insurance plans and to research and reflect on their advantages and disadvantages. That said, you are expected to answer the following questions in a 2-page (excluding references) essay:
1. What is the rationale behind high deductible insurance plans? How do they differ from other plans?
2. Based on research and your opinion, what are the pros and cons of HDHPs for individuals and the healthcare system? (You should relate your answer to the material you have learned so far.)
Guidelines for Submission
