Which of the following is a cost shifting technique in health insurance?

Question

Quizplus · Accepted Answer

Increased deductibles are a cost shifting technique in health insurance. By increasing the deductible, the insurer is shifting more of the cost burden onto the policyholder. This can result in lower premiums for the policyholder, but also means that they will have to pay more out-of-pocket expenses before insurance coverage kicks in. Utilization review, generic drugs, and second opinions are all cost containment techniques, but not cost shifting techniques.

Which of the Following Is a Cost Shifting Technique in Health