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Dogs develop cancer that is biologically similar to a human tumour

March 28, 2016

The study found that the chronically ill were more likely to receive some preventive health care than others enrolled in high-deductible health plans. The chronically ill were more likely to undergo all three recommended cancer screenings than others in the high-deductible plans, but one chronically ill group, diabetics, reduced their receipt of standard recommended tests.

The study also provides new findings about specific designs for high-deductible and consumer-directed health plans that have the greatest impact on reducing costs.

The study found that high-deductible plans coupled with health savings accounts reduced spending by a greater amount than other types of high-deductible plans. Health savings accounts can be used to pay insurance deductibles and co-pays, and account balances can be carried from year to year and taken from job to job.

High-deductible plans with health savings accounts produced greater savings than high-deductible plans that had health reimbursement accounts, high-deductible plans with no accounts or plans with only moderate deductibles. Health reimbursement accounts can be used to pay for deductibles and co-payments, and balances typically roll over but cannot be taken from job to job.

"The greater spending cuts seen with health savings accounts is consistent with the stronger incentive to save that are created with these types of accounts," Haviland said. "When employees own an account for the long term it seems to eliminate the 'use it or lose it' incentives attached to other reimbursement accounts."

Source: RAND Corporation