In the growing trend of consumer-driven health insurance, more consumers than ever have access to a high-deductible health plan paired with a health savings account, where consumers can save pre-tax income for healthcare but also face higher out-of-pocket prices, in hopes that consumers will become smarter shoppers. The Health Savings Plan is successful at lowering costs, but at the expense of consumers lowering their adherence to healthcare, raising health risk. Even in a competitive market, HSP plan designs require smart shoppers and more active healthcare self-management, but without dealing with the informational imperfections that need to be overcome to encourage this intelligent consumerism. In order for HSPs to succeed, they need to be aligned with policy and innovations that mend these informational deficits, but even then, policy makers need to be aware that HSPs do not tackle the main problem in the US healthcare marketplace.
","abstract_html":"<p>In the growing trend of consumer-driven health insurance, more consumers than ever have access to a high-deductible health plan paired with a health savings account, where consumers can save pre-tax income for healthcare but also face higher out-of-pocket prices, in hopes that consumers will become smarter shoppers. The Health Savings Plan is successful at lowering costs, but at the expense of consumers lowering their adherence to healthcare, raising health risk. Even in a competitive market, HSP plan designs require smart shoppers and more active healthcare self-management, but without dealing with the informational imperfections that need to be overcome to encourage this intelligent consumerism. In order for HSPs to succeed, they need to be aligned with policy and innovations that mend these informational deficits, but even then, policy makers need to be aware that HSPs do not tackle the main problem in the US healthcare marketplace.</p>","abstract_has_math":false,"creators":["Dengg, Jacob Gene"],"institution":null,"degree_name":"M.A.","degree_level":"Masters Thesis","degree_discipline":null,"degree_department":null,"school":null,"contributors":["Markus Schneider, Ph.D."],"advisors":[],"committee_chairs":[],"committee_members":[],"year":2019,"date_issued":"2019-01-01T08:00:00Z","date_published":"2019-01-01T08:00:00Z","updated_at":"2026-07-24T02:03:19Z","subjects":["Consumer-driven health insurance","Health Savings Plan","Healthcare self-management","Economics","Health and Medical Administration","Health Economics","Medicine and Health Sciences"],"languages":["en"],"rights":["Copyright is held by the author. User is responsible for all copyright compliance.
"],"rights_urls":[],"identifier_entries":[]},"links":{"outbound_url":"https://digitalcommons.du.edu/etd/1652","outbound_label":"Repository record","outbound_source":"dc:identifier"},"metadata_groups":[{"id":"people","label":"People","entries":[{"key":"dc:contributor","label":"Contributor","values":["Markus Schneider, Ph.D."]},{"key":"dc:creator","label":"Author","values":["Dengg, Jacob Gene"]}]},{"id":"academic_context","label":"Academic Context","entries":[{"key":"dc:date.available","label":"Dc Date Available","values":["2020-01-21T08:00:00Z"]},{"key":"thesis:degree_level","label":"Degree Level","values":["Masters Thesis"]},{"key":"thesis:degree_name","label":"Degree Name","values":["M.A."]}]},{"id":"subjects_keywords","label":"Subjects and Keywords","entries":[{"key":"dc:subject","label":"Dc Subject","values":["Consumer-driven health insurance","Health Savings Plan","Healthcare self-management","Economics","Health and Medical Administration","Health Economics","Medicine and Health Sciences"]}]},{"id":"language_rights","label":"Language and Rights","entries":[{"key":"dc:language","label":"Dc Language","values":["en"]},{"key":"dc:rights","label":"Dc Rights","values":["Copyright is held by the author. User is responsible for all copyright compliance.
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"]},{"key":"dc:format","label":"Dc Format","values":["application/pdf"]},{"key":"dc:title","label":"Title","values":["How Informational Imperfections Lead to Sub-Optimal Solutions in Health Savings Plan and Potential Remedies in a Competitive Marketplace"]}]}],"canonical_facts":{"dc:contributor":["Markus Schneider, Ph.D."],"dc:creator":["Dengg, Jacob Gene"],"dc:date.available":["2020-01-21T08:00:00Z"],"dc:description.abstract":["In the growing trend of consumer-driven health insurance, more consumers than ever have access to a high-deductible health plan paired with a health savings account, where consumers can save pre-tax income for healthcare but also face higher out-of-pocket prices, in hopes that consumers will become smarter shoppers. The Health Savings Plan is successful at lowering costs, but at the expense of consumers lowering their adherence to healthcare, raising health risk. Even in a competitive market, HSP plan designs require smart shoppers and more active healthcare self-management, but without dealing with the informational imperfections that need to be overcome to encourage this intelligent consumerism. In order for HSPs to succeed, they need to be aligned with policy and innovations that mend these informational deficits, but even then, policy makers need to be aware that HSPs do not tackle the main problem in the US healthcare marketplace.
"],"dc:format":["application/pdf"],"dc:identifier":["https://digitalcommons.du.edu/etd/1652"],"dc:language":["en"],"dc:rights":["Copyright is held by the author. User is responsible for all copyright compliance.
"],"dc:subject":["Consumer-driven health insurance","Health Savings Plan","Healthcare self-management","Economics","Health and Medical Administration","Health Economics","Medicine and Health Sciences"],"dc:title":["How Informational Imperfections Lead to Sub-Optimal Solutions in Health Savings Plan and Potential Remedies in a Competitive Marketplace"],"thesis:degree_level":["Masters Thesis"],"thesis:degree_name":["M.A."]},"updated_at":"2026-07-24T02:03:19Z"}