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Another Evolvement of the Cost and Risk Shifting Model: Consumer-Driven Health Plans

Author: SHADI SALEH and PETER LEVIN
Published in JHHSA, Vol. 28 No. 3

The US health care system has changed dramatically over the
past forty years or so. This paper analyzes its potential transformation
into a consumer-driven health care system (with the newly enacted
HSAs and the increased popularity of employer defined contributions).
The emphasis in the first part is the evolution of the role of providers
(mostly physicians) into bearers of financial risk and gatekeepers. The
second part discusses the new consumer-driven health care proposals
and its potential impact on the future of health care as it pertains to
putting consumers under financial risk and gives them a perceived
sense of control over health care decisions.

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