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For Some, More Costly Care Is Not by Choice


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The study was published in the April issue of the journal Pediatrics.

"The usual assumption is that high-deductible plans attract healthy and wealthy people, based on studies of people who chose those plans themselves," Dr. Alison Galbraith, of Children's Hospital Boston and Harvard Medical School and an author of the study, said in the news release.

"Our population only had one plan offered to them, and we found that many of those who were switched to high-deductible plans had children with chronic conditions," Galbraith said. "There wasn't a difference in the amount of chronic illness between the high-deductible and traditional families, but it was striking that there wasn't less illness in the high deductible group. We need to be aware of this as these plans become more popular."

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The findings "show that families with children in high-deductible plans may comprise two distinct groups, one with higher-risk characteristics and one with lower-risk characteristics compared to traditional plans," she said. "This makes it important to monitor the effects of enrollment in high-deductible plans on children's use of needed care, especially for vulnerable populations that are enrolled."

More information

The U.S. Agency for Healthcare Research and Quality has more about health insurance.

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-- Robert Preidt

Copyright © 2009 ScoutNews, LLC. All rights reserved.
Last updated 4/2/2009

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SOURCE: Children's Hospital Boston, news release, March 30, 2009


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