A hurdle and negative binomial model approach to analyzing the gender differences in diagnostic imaging utilization under high-deductible health plans

The findings suggest that HDHPs have a gender-differentiated effects on diagnostic imaging utilization, with males experiencing a more significant reduction, especially in the initial use of diagnostic imaging and in the use of ultrasound services. These results highlight the need for gender-sensitive approaches in health insurance policy design and emphasize the importance of targeted patient education to promote equitable access and resource allocation.