Asthma Care and Out‐of‐Pocket Costs for Families of Children with Asthma in High‐Deductible Health Plans
Authors: Galbraith A. , Ross‐Degnan D. , Zhang F. , Wu A. , Sinaiko A. , Peltz A. , Wallace J. , Wharam J. 
Published: August 2020

Asthma is the most common pediatric chronic condition, with substantial morbidity, health care utilization, and costs. Enrollment has increased in high‐deductible health plans (HDHPs) that require families to assume greater responsibility for out‐of‐pocket (OOP) costs for asthma and other family health care needs, creating potential barriers to use of recommended asthma controller medications. Data are limited on children in HDHPs. We sought to examine changes in asthma controller medication use, exacerbations, and OOP costs for children with asthma enrolling in HDHPs and whether this varies for children in families with multiple competing health care needs.

We measured OOP costs for children’s asthma care and for care for all family members in the same insurance plan, and children’s rates of 30‐day fills for asthma controller medications and exacerbations (measured by oral steroid bursts). We controlled for the number of chronic conditions among all family members, defining high illness burden as presence of ≥ 4 chronic conditions. We used a difference‐in‐differences design with models controlling for individual and employer‐level characteristics, and tested for effect modification by family illness burden using a three‐way interaction.

We identified children aged 4‐17 years with persistent asthma with employer coverage in a large commercial and Medicare Advantage claims database between 2002 and 2014. We selected children with 12 months of enrollment in a plan with low or no deductible (“traditional plan”) before either switching to a HDHP or staying in the traditional plan (controls) for another 12 months. The sample included only employers offering a single deductible level.

The sample included 4708 children who switched to HDHPs and 47,414 who remained in traditional plans. Children switching to HDHPs had higher OOP costs for asthma care than controls (difference‐in‐differences (DiD) $21; 95% confidence interval (CI) $14‐$28), a relative increase of 21.5% (13.5%‐29.4%). Their families had greater OOP spending (DiD $605; 95% CI $505‐$704), a relative increase of 26.8% (21.8%‐31.8%). Children in HDHPs had a relative decrease in 30‐day controller medication fills (−7.4%, 95% CI −12.0% to −2.8%) but no relative difference in exacerbations (1.3%, 95% CI −10.5% to 13.2%). There was no evidence of effect modification by family illness burden.

This study found increases in OOP asthma costs for children in HDHPs and lower rates of controller medication use, but no differences in asthma exacerbations. Families experienced an increase in total OOP costs in HDHPs, although this may have been offset by lower premiums. The lack of difference in the impact of HDHP enrollment on children’s controller use in families with high illness burden suggests these families are not trading off OOP spending on children’s asthma care for OOP spending on other care.

Although families face increased OOP costs in HDHPs for children’s asthma and other health care, the impact on asthma medication use and exacerbations may be moderated by the fact that medications were subject to copayments rather than the deductible in most plans in our study. Value‐based insurance designs that exempt important pediatric health services from the deductible may help reduce adverse outcomes in HDHPs.

Patient‐Centered Outcomes Research Institute.