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Insurance Design

How can an insurance product be structured to encourage usage of high value care?

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Value Based Insurance Design

Policy Definition: A value-based insurance design decreases financial barriers to high-value health services (cost-sharing, co-pays) by encouraging additional use of necessary clinical services like seeing a primary care provider. source

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High Deductible Health Plans

Policy Definition: High Deductible Health plans are defined by a higher deductible ($1400 for an individual/$2800 for a family). source

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