Impact of Type of Insurance Plan on Access and Utilization of Health Care Services for Adults Aged 18–64 Years With Private Health Insurance: United States, 2007–2008

National attention to consumer-directed health care has increased following the enactment of the Medicare Prescription Drug Improvement and Modernization Act of 2003 (P.L. 108–173), which established tax-advantaged health savings accounts (HSAs) (1). Enrollment in consumer-directed health care products has increased over the past several years (2). Consumer-directed health care may enable individuals to have more control over when and how they access care, what types of care they use, and how much they spend on health care services. This report examines types of private health plans and their association with utilization and access to health care services for adults aged 18–64 years in 2007–2008.