Consumer-driven Health Plans (CDHPs)

Consumer-driven Health Plans (CDHPs)

What is the public perception of consumer-driven health plans (CDHPs)? What factors contribute to this perception? Do you agree or disagree? Why?

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The public feels that the Consumer-driven Health Plans (CDHPs) are acting unreasonably by raising the premiums. Most Americans are underinsured because they cannot afford the premiums needed by the CDHPs and have to go without the necessary healthcare. The rate at which they are increasing the premiums is higher than a households annual income increase (Guo et al., 2015). Moreover, a family that earns $50,000 per year is required to pay the same premium with one that earns $250, 000. Lower to middle-income people face deductibles unaffordable compared to their earnings. The CDHPs create a barrier to the low earners to get the necessary health care. The CDHPs increases deductibles annually, and the rate of increase is higher than they can afford. Health care insurance is essential because few people can afford to pay hospital bills.The public feels that the Consumer-driven Health Plans (CDHPs) are acting unreasonably by raising the premiums. Most Americans are underinsured because they cannot afford the premiums needed by the CDHPs and have to go without the necessary healthcare. The rate at which they are increasing the premiums is higher than a households annual income increase (Guo et al., 2015). Moreover, a family that earns $50,000 per year is required to pay the same premium with one that earns $250, 000. Lower to………

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