Talk:Consumer driven health plan

This is possibly the worst posting I've read. Its purposefully unclear with the intention of confusing readers.

This article needs an author who:


 * 1) 1. Is unbias.
 * 2) 2. Knows what he/she is writing about!!!
 * 3) 3. Can explain the topic clearly.

Here's a start:

CDHP are based on the consumerism trend, which focuses on empowering the consumer with more health care quality and cost information, more control in making health care decisions, and more accountability in the financial impact of health care decisions. CDHPs have been widely championed by many of the top economists, doctors, and health care administrators in the United States as the solution to the high rate of health care inflation as well as a potential way of reducing the number of the United States's uninsured population. Consumer driven health care is often seen as the capitalist answer to universal health care.

CDHP model: Free Preventative Care -- Then the Deductible -- Once Deductible is met (100% coverage to infinity)

Why its better than traditional plans:

Lower premiums = savings + tax deduction + Employer contributions (from their savings) = enough money to come close to covering the entire deductible. Which means regardless of whether you're just a little sick or horribly sick, CDHPs SAVE YOU MONEY!!!!!!

HSAs are not only a fantastic way to pay for medical expenses, but are a nice vehicle for retirement.

How do I know this? Because I'm an insurance broker who does this everyday and sees it in action. Once people get through the first year they LOVE CDHPs and HSAs. Its the transition that is scary for people.

Sadly people are lazy and hate change. They would rather the government be their babysitter (in the form of Universal health care) and pay tons in taxes than spend 20 minutes learning about health care.... which makes up over 20% of the total expenditures in America today. Ethiopian32 13:51, 21 June 2007 (UTC)

Merge proposal
RESULT: merge into Consumer driven health care. Merge completed. -- Sfmammamia 21:14, 10 July 2007 (UTC)

Please discuss at Talk:Consumer driven health care. -- Sfmammamia 19:11, 4 July 2007 (UTC)

Citation lacking
Nbauman made a claim which was illustrated in a citation. Maybe my brief analysis is lacking, but I did not see anything to illustrate that claim. It seemed to say the opposite.--Rotten 18:58, 10 July 2007 (UTC)