Analyses will use the same population, outcomes, study group comparisons, and modeling strategies as Aims 1 and 2 except that stratified analyses will be performed, comparing outcomes between intervention and control groups stratified by adult/child status. To statistically test for heterogeneity of treatment effect for adults vs. children, analyses will use three-way interaction terms (insurance type * study period * adult/child) to test for statistical differences between adults and children in the impact of the change to an HSA-HDHP with PDL vs. remaining in a traditional plan. Analyses will be done at the individual level, but will include family-level variables as predictors of interest. Separately for adults and children, the investigators will test the extent to which having another family member with asthma, another chronic condition, or high baseline family ACG morbidity modifies the impact of HDHPs and PDLs on study outcomes for an individual asthma patient. The primary predictor of interest will be the interaction between the family-level variable, study period, and study group.