Cost-Sharing under Consumer-Driven Health Care Will Not Reform U.S. Health Care

Journal of Law, Medicine and Ethics 40 (3):574-581 (2012)

Various kinds of consumer-driven reforms have been attempted over the last 20 years in an effort to rein in soaring costs of health care in the United States. Most are based on a theory of moral hazard, which holds that patients will over-utilize health care services unless they pay enough for them. Although this theory is a basic premise of conventional health insurance, it has been discredited by actual experience over the years. While ineffective in containing costs, increased cost-sharing as a key element of consumer-driven health care leads to restricted access to care, underuse of necessary care, and lower quality and worse outcomes of care. This paper summarizes the three major problems of U.S. health care urgently requiring reform and shows how cost-sharing fails to meet that goal
Keywords No keywords specified (fix it)
Categories (categorize this paper)
DOI 10.1111/j.1748-720X.2012.00690.x
Edit this record
Mark as duplicate
Export citation
Find it on Scholar
Request removal from index
Revision history

Download options

Our Archive

Upload a copy of this paper     Check publisher's policy     Papers currently archived: 44,293
External links

Setup an account with your affiliations in order to access resources via your University's proxy server
Configure custom proxy (use this if your affiliation does not provide a proxy)
Through your library

References found in this work BETA

No references found.

Add more references

Citations of this work BETA

The Health Care Reform Law : Controversies in Ethics and Policy.Robert M. Sade - 2012 - Journal of Law, Medicine and Ethics 40 (3):523-525.

Add more citations

Similar books and articles


Added to PP index

Total views
8 ( #834,753 of 2,271,450 )

Recent downloads (6 months)
2 ( #571,397 of 2,271,450 )

How can I increase my downloads?


My notes

Sign in to use this feature