Table A7.
Pre-Post Descriptive Summary by HDHP Uptake.
| Pre | Post | |||||
|---|---|---|---|---|---|---|
| Treatment | Control | Treatment | Control | |||
| Never HDHP | Future HDHP | Non-HDHP | HDHP | |||
| Individual Characteristics | ||||||
| Female | 51.30% | 53.52% | 53.39% | 50.85% | 53.18% | 53.10% |
| Age | 43.76 | 43.08 | 45.15 | 44.67 | 42.59 | 44.07 |
| Charlson Comorbidity Score | 0.16 | 0.12 | 0.17 | 0.15 | 0.11 | 0.13 |
| Expenditures | ||||||
| Deductible Spending | $76.67 | $106.04 | $79.47 | $71.17 | $340.52 | $93.21 |
| Outpatient Spending | $2168.08 | $2079.29 | $2191.63 | $2319.07 | $2050.20 | $2277.01 |
| Imaging Spending | $231.96 | $265.61 | $290.52 | $206.23 | $228.40 | $296.38 |
| Laboratory Spending | $142.86 | $155.11 | $171.21 | $154.30 | $151.51 | $195.78 |
| Low-Value Outpatient Spending | $38.01 | $36.53 | $44.26 | $33.02 | $29.63 | $40.25 |
| Low-Value Imaging Spending | $20.95 | $22.65 | $26.50 | $16.07 | $16.57 | $23.79 |
| Low-Value Laboratory Spending | $5.50 | $6.43 | $5.91 | $6.30 | $6.75 | $7.95 |
| Deductible Amount | ||||||
| Estimated Deductible Level | $119.36 | $149.72 | $96.56 | $126.34 | $690.55 | $132.18 |
| Low Deductible (<$500) | 99.78% | 99.59% | 100.00% | 100.00% | 11.38% | 100.00% |
| $500 –$ 999 | 0.00% | 0.02% | 0.00% | 0.00% | 72.42% | 0.00% |
| $1000–$1249 | 0.01% | 0.02% | 0.00% | 0.00% | 8.00% | 0.00% |
| $1250+ | 0.21% | 0.37% | 0.00% | 0.00% | 8.21% | 0.00% |
| Firm Plan Types | ||||||
| Comprehensive | 6.19% | 3.96% | 7.01% | 4.64% | 0.93% | 3.50% |
| EPO | 2.70% | 1.09% | 0.00% | 0.07% | 0.00% | 0.00% |
| HMO | 16.16% | 7.28% | 20.81% | 27.37% | 0.46% | 16.50% |
| Non-Capitated POS | 37.35% | 32.58% | 17.95% | 35.68% | 8.46% | 13.94% |
| PPO | 30.96% | 48.32% | 54.23% | 27.60% | 51.95% | 66.06% |
| Cap POS | 6.55% | 6.44% | 0.00% | 4.63% | 0.64% | 0.00% |
| CDHP | 0.03% | 0.09% | 0.00% | 0.00% | 23.90% | 0.00% |
| HDHP | 0.06% | 0.23% | 0.00% | 0.00% | 13.65% | 0.00% |
| Annual Enrollees per Firm | 96755 | 96755 | 65365 | 86363 | 86363 | 63741 |
| Firms | 7 | 7 | 23 | 7 | 7 | 23 |
| Person-Years | 640,246 | 714,328 | 3,590,716 | 539,388 | 1,274,237 | 5,230,468 |
Notes: Descriptive statistics presented over the pre and post period for treatment (high-deductible offering) and control (no high-deductible offer) firms. The pre-period for the treatment firms are the 2 years prior to the offer of a deductible greater than or equal to $500, and the post-period is the three consecutive years following this offer where such an offer exists in all 3 years. The pre-period for control firms is a weighted average of calendar year 2008 through 2010 matching the enrollee-level distribution of calendar years in the pre-period for the treatment firms, and the post-period is a weighted average of 2010–2013. Never HDHP takers in the pre-period treatment firms are those who will not be enrolled in deductible plan > $500 in the post-period, whereas future HDHP takers are those that will enroll in one after the offer, and is presented to show heterogeneity for enrollees within the treatment firms.