NCPA - National Center for Policy Analysis


December 27, 2007

Participants enrolled in consumer-directed health plans (CDHPs) are more likely to plan and save for health care coverage, according to a survey by Blue Cross and Blue Shield Association (BCBSA).

Further, according to the survey's authors:

  • CDHPs, which use health savings accounts (HSAs) or health reimbursement accounts (HRAs), are steadily gaining traction nationwide, and represent all age brackets, income and education levels.
  • United Benefit Advisors (UBA), an alliance of 142 independent benefit advisory firms nationwide, found CDHPs represent 8.8 percent of all the plans offered by employers, up from only 5.8 percent in 2006.
  • Currently, 6 percent of all covered employees are enrolled in such plans, up from just 3.4 percent in 2006.

The survey brought good news, said Devon Herrick, a senior fellow at the National Center for Policy Analysis in Dallas.

"Moving to consumer-driven health plans will allow workers themselves to make decisions about health care and other uses for their money," Herrick explained.  "It will also give them an incentive to be wise consumers of health care.  In the long run it will benefit both workers and employers."

Source: "Consumer-Driven Plans Yield Savvy Health Care Consumers,", December 26, 2007.

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