Enrollment In CDHPs Continues To Rise: EBRI

from Spencer’s Benefits Reports: Enrollment in consumer driven health plans (CDHPs) continued to expand in 2012 to cover 10 percent of the population (11.6 million adults ages 21 through 64) with private health insurance in the United States, according to the 2012 EBRI/MGA Consumer Engagement in Health Care Survey. The survey, conducted by the Employee Benefit Research Institute (EBRI) and Mathew Greenwald & Associates (MGA), defines a CDHP as a high-deductible health plan (HDHP) used in combination with a tax-favored health account (a health reimbursement arrangement (HRA) or a health savings account (HSA)). The survey found that another 7 million adults with private health insurance were enrolled in HSA-qualified HDHPs without a health account.

The survey found that adults in a CDHP were more likely than those in a traditional plan to exhibit a number of cost-conscious behaviors. While CDHP enrollees, HDHP enrollees, and traditional-plan enrollees were about equally likely to report that they made use of quality information provided by their health plan, CDHP enrollees were more likely to use cost information and to try to find information about their doctors’ costs and quality from sources other than the health plan, according to the report. Moreover, CDHP enrollees were more likely than traditional-plan enrollees to take advantage of various wellness programs, such as health-risk assessments, health-promotion programs, and biometric screenings. In addition, financial incentives mattered more to CDHP enrollees than to traditional-plan enrollees.

“It is clear that the underlying characteristics of the populations enrolled in these plans are different,” noted Paul Fronstin, director of EBRI’s health research and education program. “Adults in a CDHP were significantly more likely to report being in excellent or very good health, and they were significantly more likely to exercise.” He noted thatthose in a CDHP and those in a HDHP were significantly less likely to smoke than were adults in a traditional plan—and that CDHP and HDHP enrollees were also more likely than traditional plan enrollees to be highly educated.

The survey includes responses from 4,498 adults ages 21-64. For more information, visit http://www.ebri.org/publications/ib/index.cfm?fa=ibDisp&content_id=5139.

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