What is the primary goal of CDHPs in relation to consumer health decisions?

The primary goal of Consumer-Directed Health Plans (CDHPs) is to shift decision-making responsibility to consumers. This is achieved by encouraging individuals to take a more active role in their healthcare choices, which includes managing their health expenses and making informed decisions about their care and coverage options.

CDHPs typically include features such as high deductibles and health savings accounts (HSAs) or health reimbursement arrangements (HRAs) that allow consumers to set aside pre-tax dollars for medical expenses. By directly involving consumers in their healthcare spending, CDHPs aim to promote price transparency, increase awareness of healthcare costs, and incentivize healthier lifestyle choices.

This approach gives consumers greater control over their healthcare decisions and encourages them to consider the value of services and treatments. The intent is that as consumers become more engaged and aware of costs, they will make more economical and health-conscious choices, ultimately leading to better health outcomes and more efficient use of healthcare resources.