Consumer Driven Health Care: New Tools for a New Paradigm

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Consumer Driven Health CareNew Tools for a New
Paradigm

• Greg Scandlen

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Essential Problem in Health Care

• Not FFS, but TPP
• Third-Party payment leads to
• Excess consumption, which leads to
• Runaway costs, which leads to
• Third-Party rationing, which leads to
• Limited supply of services, which leads to
• Consumer discontent, which leads to
• Governmental interference

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Sources of HC Spending
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Does the US spend too much or too little on
health care?
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How Much Change is Needed?
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Third Party Payment
Insurer
Consumer
Provider
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Two-Party Contracts
Insurer
Provider
Consumer
Consumer
Employer
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Employer-Based Tax Subsidy, by Household Income,
2004
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Contact

• Greg Scandlen
• Consumers for Health Care Choices
• www.CHCChoices.org
• 301-606-7364
• Greg_at_CHCChoices.org