Value-based Insurance Design

Expensive and steadily rising health care costs without a concomitant increase in quality have generated a search for solutions to fund health care in the United States. Recent health care reforms and proposals on the agenda have spurred debate about alternative payment plans for health care. Much of the talk centers on imaging, which is a fast-growing and expensive component of health care. Value-based insurance design (VBID), a “clinically sensitive” means of sharing the cost of health care, has been proposed as a means to control the runaway costs of health care management including diagnostic testing. A corollary of pay-for-performance initiatives in which physician incentives are aligned with evidence-based medical practices, VBID seeks to increase patient incentives to comply with evidence-based health care consumption. We previously reviewed the principles of VBID and provided examples of VBID in practice using diabetes management as a model, as well as suggested some areas in diagnostic testing that lend themselves to VBID benefit design. In this article, we summarize the barriers to implementation and outline potential solutions, with particular regard to radiology.