Consumer-Driven Health Care Plans Growing

The Kaiser Family Foundation conducts an annual survey of employer-sponsored health plans. According to the 2012 survey, one-third (31 percent) of firms that offer health coverage offers a consumer driven health plan (CDHC) option. Approximately one-in five covered workers are in CDHC plan. Eleven percent of covered workers are in a Health Savings Account-qualified (HSA) plan in 2012 — up from 9% in 2011; while 8% are in an HRA plan in 2012 — about the same as in 2011.

About 149 million people are covered through an employer health plan. The report didn’t break down HSAs/HRAs by the number of people enrolled. But the data suggests that as many as 28 million people may be in an employer HRA/HSA plan.

Comments (7)

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  1. Alex says:

    More choice for the consumer is a good thing. Excellent news.

  2. Ender says:

    Interesting study. Always good to see more options for consumers.

  3. Alice says:

    Not bad. What is the network for these CDHC plans like when you do go over the deductible?

  4. Devon Herrick says:

    @ Alice
    My previous HSA-qualified plan was BlueCross of Texas. I had access to the same provider network all BlueCross enrollees. I also received the same negotiated rates when receiving medical care regardless of whether I had met my deductible or was over my deductible. I now have United Healthcare and it works the same. Most HSA plans are PPOs with a high-deductible plans coupled with the HSA.

  5. Chucky says:

    I wounder how Obamacare will affect this data…

  6. Lucy Hender says:

    Consumer-driven plans are always good. Thumbs up!

  7. Jordan says:

    Wonder what that percentage of firms will look like after ACA makes it cheaper just to pay the fine rather than offer healthcare.