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What if: Medical savings accounts were established? Raisa B. Deber, University of Toronto With the assistance of Kenneth C. K. Lam
What are Medical Savings Accounts? ,[object Object],[object Object],[object Object],[object Object]
Why MSAs? ,[object Object],[object Object],[object Object],[object Object]
Benefits - if assumptions hold ,[object Object],[object Object],[object Object],[object Object],[object Object]
Experience ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Evidence of success ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Challenges and limitations - 1 ,[object Object],[object Object],[object Object],[object Object]
Skewing ,[object Object],[object Object],[object Object],[object Object],[object Object]
Total Attributable Expenditures (Means by Vingtiles), Manitoba, Fiscal 2005-2006
Challenges and limitations ,[object Object],[object Object],[object Object],[object Object]
Our review suggests ,[object Object]
1:  Utilization not highly skewed ,[object Object],[object Object],[object Object]
2.  Costs relatively large, and episodic ,[object Object],[object Object],[object Object]
3.  Service not seen as necessary ,[object Object],[object Object]
Very few services meet all three criteria ,[object Object],[object Object],[object Object],[object Object]
Conclusion ,[object Object]

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WHAT IF: Medical saving accounts were established?

  • 1. What if: Medical savings accounts were established? Raisa B. Deber, University of Toronto With the assistance of Kenneth C. K. Lam
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  • 9. Total Attributable Expenditures (Means by Vingtiles), Manitoba, Fiscal 2005-2006
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Hinweis der Redaktion

  1. Canadian suggestion - use only for services not currently under CHA Problems - moving target (as things move out of hospitals) Note - NO plan studied uses that model!
  2. Note - may counter some of this if good catastrophic coverage, but then we’re not using MSAs any more! Insurance - particularly if we have voluntary insurance, competitive models
  3. Earlier findings indicated that health care expenditures is highly skewed with 80% of the people spending less than the population mean
  4. Note - may counter some of this if good catastrophic coverage, but then we’re not using MSAs any more! Insurance - particularly if we have voluntary insurance, competitive models