No. The ER and its expensive specialists (e.g. trauma/accident specialists) can be reserved doing their actual specialized jobs (taking care of patients injured in car crashes, for example) without being clogged by some dude with a toothache. The ER only handles the real hardcore cases that can escalate to death in a matter of seconds, and the urgent-care facility only handles the "everyday" harmless stuff, which needs less and especially less-certified/experienced and thus cheaper staff.
Where I live, it's practical for me to go to an ER in at least 3 different hospital systems. If one of them offered 24-hour "urgent care" I would definitely go there vs the one closest to my house.
> Those behavioral changes resulted in 35% lower health-care spending than when the same employees were enrolled in traditional health insurance. Even better, the study found that employees enrolled in the deductible security plan were going in for mammograms, annual check ups, and other forms or preventive medicine at the same rate as when they were enrolled in traditional insurance. Thus, these cost savings are real and not due to people delaying necessary care in order to hoard their HSA balances.
Note the article is about reducing health care costs, not patient outcomes. These are usually two separate goals.
Yeah, people avoid care when they have those plans. Is that a good outcome ?