Table 1. Types of Consumer Financial Incentives

Consumer Financial Incentives: A Decision Guide for Purchasers

Goal of incentiveDecision timingHealth statusExamples
Select a high value health plan or provider networkDuring open enrollmentDistribution between the healthy and ill reflecting underlying enrollee population
  • Premium-tiered health plans.
Select a high value providerVaries—usually at the point-of-carePatient is usually ill or needing service
  • Point-of-care tiered health plans.
  • High-deductible health plans with savings account options.
Select a high value treatment optionAt the point-of-careUsually when the patient becomes ill, sometimes before
  • Tiered drug benefits.
  • High-deductible health plans with savings account options.
  • Consumer incentives for disease management.
  • Consumer incentives for preventive care.
Reduce health risks by seeking careOngoingVaries—the patient has a high-risk condition
  • Consumer incentives to comply with recommended care (e.g., prenatal care).
Reduce health risk by changing lifestyleOngoingVaries—the patient has a lifestyle factor that increases health risks
  • Consumer incentives to encourage certain health behaviors (e.g., smoking cessation, weight loss).
Current as of November 2007
Internet Citation: Table 1. Types of Consumer Financial Incentives: Consumer Financial Incentives: A Decision Guide for Purchasers. November 2007. Agency for Healthcare Research and Quality, Rockville, MD. http://www.ahrq.gov/professionals/quality-patient-safety/quality-resources/value/incentives/incenttab1.html