Markus Saba, Kati Schy, and Daniella Kapural, University of North Carolina at Chapel Hill

The evidence concerning high deductible health plans (HDHPs) suggests three key patterns involving people with diabetes (PWD):

• a disproportionately negative impact on low-income individuals;
• low healthcare literacy as a predictor of poor health outcomes;
• the influence of insurance design on consumer and health behavior.

The patterns suggest that HDHPs be customized to the diabetes disease state in order to reduce cost and improve health outcomes. Changes include policy advances, special initiatives for PWD, and leadership by employers.

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• Keyword(s):
• healthcare 71

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