Read the Reed et al.(2009) article, High Deductible Health Insurance Plans: Efforts to Sharpen A Blunt Instrument.

https://www.healthaffairs.org/doi/full/10.1377/hlthaff.28.4.1145

Evaluate the concept of cost-sharing, and what is known and what is not known by consumers with a high-deductible health insurance plan. Does the knowledge of having a HDHP change consumer behavior responses to cost-sharing?

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