In particular, note this excerpt: "Differences in coverage policy, including both the extent of insurance coverage and the structure of that coverage, mean that Americans are much more likely to report than residents of other G7 countries that they or purchase drugs due to cost..Expansions of coverage over time within the US, while leaving the overall structure of the system largely unscathed, have substantially altered the composition of payment. In 1960, 47 percent of all US health expenditures were paid out of pocket, and government insurance programs paid for just 6 percent of spending. Today, the proportions are nearly reversed. Out of pocket expenditures account for 10 percent of spending, and government insurance pays 41 percent of the bills." Also note that most affordable plan options in the Individual Health Insurance Marketplace have large deductibles before coverage benefits are applied.
In the US, and in the absence of a single payer system, are consumer directed/high deductible health plans a reasonable (albeit not perfect) solution for controlling health spending in the US?
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