Strategies

Establish high deductible health plans paired with pre-tax medical expense accounts such as Health Reimbursement Arrangements (HRAs) or Health Savings Accounts (HSAs) and information tools

Increase wages and benefits for personal or home care workers, nurse aides, and others who provide direct care to patients in long-term care (LTC) settings

Regulate mental health insurance to increase access to mental health services, including treatment for substance use disorders

Create financial incentives or remove financial disincentives to affect consumer choices and incentivize provision of cost efficient health care services

Use the purchasing power of employers and groups of insured individuals to create incentives and disincentives for health care providers to deliver high quality, high value care