Generous health insurance plans encourage overtreatment, but may not improve health
Offering comprehensive health insurance plans with low deductibles and co-pay in exchange for higher annual premiums seems like a good value for the risk averse, and a profitable product for insurance companies. But according to a study, such plans can encourage individuals with chronic conditions to turn to needlessly expensive treatments that have little impact on their health outcomes.

Offering comprehensive health insurance plans with low deductibles and co-pay in exchange for higher annual premiums seems like a good value for the risk averse, and a profitable product for insurance companies. But according to a study, such plans can encourage individuals with chronic conditions to turn to needlessly expensive treatments that have little impact on their health outcomes.

 

Source: Science Daily

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