Problem
"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."
Based on the above paragraph, what are the pros and cons of high deductible insurance plans and what are their advantages and disadvantages.
a) What is the rationale behind high deductible insurance plans?
b) Based on research what are the pros and cons of HDHPs for employers and consumers?
c) What is the impact of HDHPs on the healthcare system overall?