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Health Savings Accounts and Health Care Spending - Lo Sasso - 2010 - Health Services Research - Wiley Online Library
Source: onlinelibrary.wiley.com
Article summary:
1. This article examines the impact of health savings accounts (HSAs) on total, medical, and pharmacy spending for a large number of small and midsized firms.
2. The research found that HSA enrollees spent roughly 5-7% less than non-HSA enrollees in terms of total spending, and 6-9% less in terms of pharmacy spending.
3. The findings suggest that CDHP benefit designs affect decisions that are at the discretion of the consumer, such as whether to fill or refill a prescription, but have less effect on care decisions that are more at the discretion of the provider.
Article analysis:
The article is generally reliable and trustworthy due to its use of data from a national insurer to measure spending for 76,310 enrollees over 3 years in 709 employers. The authors also employ difference-in-differences generalized linear regression models to examine the impact of switching to HSAs which provides an accurate assessment of the effects of HSAs on health care spending.
However, there are some potential biases present in the article which could affect its trustworthiness and reliability. For example, it is not clear if all possible risks associated with HSAs were noted or discussed in detail. Additionally, it is possible that some counterarguments or alternative perspectives were not explored by the authors which could lead to one-sided reporting or partiality in their conclusions. Furthermore, there may be missing evidence for some claims made by the authors which could lead to unsupported claims being presented as fact.
In conclusion, while this article is generally reliable and trustworthy due to its use of data from a national insurer and difference-in-differences generalized linear regression models, there are some potential biases present which could affect its trustworthiness and reliability such as one-sided reporting or partiality in their conclusions, missing evidence for some claims made by the authors, and not noting all possible risks associated with HSAs.