High Deductible Health Insurance
A new health insurance study shows that people who have higher deductibles and pay lower monthly premiums are 10% less likely to make emergency room visits.
According to the Boston Herald, the study published by Harvard Medical School's Journal of the American Medical Association, found that patients with high deductibles stayed home instead of going to the emergency room when they had less severe ailments: cold, nausea and headaches.
This study is important for lawmakers trying to come up with ways to make health insurance affordable for the uninsured. Governors from several states, including Massachusetts Gov. Deval Patrick, are trying to create programs to cut the cost of health insurance.
Cutting costly emergency room visits may help lower insurance rates for everyone, and that's why some states are negotiating with insurance carriers for high-deductible low monthly payments so that residents can find affordable health plans.
More studies are needed to make sure that people with high deductibles aren't neglecting more serious emergency room visits to avoid paying expensive hospital bills.
According to the Boston Herald, the study published by Harvard Medical School's Journal of the American Medical Association, found that patients with high deductibles stayed home instead of going to the emergency room when they had less severe ailments: cold, nausea and headaches.
This study is important for lawmakers trying to come up with ways to make health insurance affordable for the uninsured. Governors from several states, including Massachusetts Gov. Deval Patrick, are trying to create programs to cut the cost of health insurance.
Cutting costly emergency room visits may help lower insurance rates for everyone, and that's why some states are negotiating with insurance carriers for high-deductible low monthly payments so that residents can find affordable health plans.
More studies are needed to make sure that people with high deductibles aren't neglecting more serious emergency room visits to avoid paying expensive hospital bills.
