Satisfaction With CDHPs Rise Over The Past Seven Years: EBRI

While traditional plan enrollees were more likely than those in consumer-driven health plans (CDHPs) and high-deductible health plans (HDHPs) to be extremely or very satisfied with their overall plan, satisfaction levels trended up over the past seven years among CDHP enrollees and trended down among traditional-plan enrollees, according to research from the Employee Benefit Research Institute (EBRI). Based on seven years of surveys, the EBRI/MGA 2012 Consumer Engagement in Health Care Survey found that enrollees in CDHPs and HDHPs were much more likely to report that they were not too or not at all satisfied with their health plan, but those dissatisfaction levels appeared to be trending downward in most years of the survey.

“Dissatisfaction with out-of-pocket costs may have been driving these overall satisfaction trends,” said Paul Fronstin, director of EBRI’s Health Research and Education program. In 2012, 44 percent of traditional-plan participants were extremely or very satisfied with out-of-pocket costs for health care services other than for prescription drugs, while 18 percent of HDHP enrollees, and 27 percent of CDHP participants were extremely or very satisfied.

“Satisfaction rates for out-of-pocket costs were much higher among those with traditional coverage than among those with either an HDHP or CDHP, though regardless of plan type, satisfaction with out-of-pocket costs was consistently low,” noted Fronstin. “However, satisfaction rates do appear to be trending upward for those with a CDHP.”

Yet, in 2012, the survey continued to find that individuals in a CDHP or an HDHP were less likely than those in a traditional plan both to recommend their health plan to friends or co-workers and to say they would stay with their current plan if they had the opportunity to switch. Those findings may have been driven more by out-of-pocket spending than by quality or access to care, the study noted.

The report, Satisfaction With Health Coverage and Care: Findings from the 2012 EBRI/MGA Consumer Engagement In Health Care Survey, was published in the August 2013 EBRI Notes. For more information, visit

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