A Qualitative Synthesis of the Effects of Rising Cost-Sharing Requirements in the United States

  • Evan Victor Goldstein The Ohio State University
Keywords: qualitative synthesis, United States health policy, high-deductible health plans, access to care, Affordable Care Act, Obamacare

Abstract

In this review, I evaluate and synthesize thematic findings from the past decade of qualitative research on the effects of high and increasing cost-sharing requirements on health care utilization from patient and provider perspectives. Whereas most of the literature on cost-sharing and health services utilization behavior has been quantitative in approach, this synthesis helps us examine patient and provider perceptions and the lived experiences associated with high and increasing health insurance cost-sharing requirements. First, I find that high and increasing cost-sharing requirements lead American patients to forgo a range of health care services, even medically-necessary treatment for themselves and their family members, and even among employed and middle-class American families who have insurance coverage. Second, I demonstrate that high cost-sharing expenses beget intense patient confusion, fear, stress, and anxiety. These findings complement results from the RAND Health Insurance Experiment, a large experimental study of health care costs and utilization conducted from 1971 to 1986, to improve our understanding of the effects of high cost-sharing requirements on patient health care utilization in the modern context. This is critical because some policymakers continue to espouse higher patient cost-sharing requirements. Limitations and future directions for research are discussed.

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Author Biography

Evan Victor Goldstein, The Ohio State University

Evan V. GOLDSTEIN, M.P.P., has served as dean' s distinguished university graduate fellow, graduate research associate, graduate teaching associate, and doctoral student in public health at The Ohio State University in Columbus, Ohio, USA. Evan has also served as a summer associate and adjunct staff with the RAND Corporation, an American nonprofit global policy research think tank. Evan completed his master of public policy degree at Queens' College, University of Cambridge, UK, where he was a Cambridge Trust Scholar, as well as his bachelor of arts in economics degree (Phi Beta Kappa) at Tulane University in New Orleans, Louisiana, USA.

Published
2019-05-25
How to Cite
Goldstein, E. V. (2019). A Qualitative Synthesis of the Effects of Rising Cost-Sharing Requirements in the United States. Forum Qualitative Sozialforschung / Forum: Qualitative Social Research, 20(2). https://doi.org/10.17169/fqs-20.2.3082