Consumer-Driven Health Plan Participants More Cost-Conscious
December 18, 2012
While CDHP enrollees, high-deductible health plan (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.
More Americans are continuing to enroll in so-called “consumer-driven” health plans: In 2012, 12 percent of the population was enrolled in a CDHP, up 3 percentage points from last year, according to the new EBRI research, while enrollment in so-called “high deductible” health plans was unchanged, at 16 percent, EBRI found. HDHPs have lower premiums but higher deductibles (at least $1,000 for employee-only coverage) than traditional health plans.
“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 and author of the report. “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 that those 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 full report is published in the December EBRI Issue Brief, online at www.ebri.org