
Gurjeet Guram- Harvard University
Gurjeet Guram
- Harvard University
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We investigate the introduction of a Consumer Directed Health Plan (CDHP) in 2005 at a large, self-insured employer. Our relatively long panel enables us to observe utilization and spending for two years prior and four years after the introduction of the CDHP, enabling us to control for unobserved factors that affect both enrollment and utilization...