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Consumer-Driven Health Plans - Learn About HSAs

Primary Listings

Cost Conscious and Growth in Consumer-Driven HSAs and High Deductible Health Plans

May 2017 issue brief (No. 433) presents findings from the Annual (2016) EBRI Consumer Engagement in Health Care Survey. Estimated 14% of the population enrolled in high deductible health plans HDHP, and an additional 14% have a Health Saving Account HSA-eligible (or HRA) plan for a total estimated at 58 million adults. Although the survey reportedly measures consumer satisfaction, this year's report again did not update prior years' findings of lower satisfaction with HDHPs than people with traditional health insurance. Consumers with a high deductible reported more often asking for generic drugs, or checking prices (cost information).

Health Savings Accounts and High Deductible Health Plans: Are They An Option for Low-Income Families

Kaiser Family Foundation concludes that most low-income families would NOT benefit from the use of HSAs and high deductible health plans (HDHPs). Reasons include low level of earnings, the amount of overall income that such plans consume, and that such plans reduce the use of preventive and primary health care services. Issue Brief published Oct. 4, 2006

HSAs and HDHPs now enroll 19.7 million people - Jan. 2015 (AHIP)

A 13% growth in the number of people enrolled in Health Savings Accounts / High Deductible Health Plans brings the number to nearly 20 million Americans, according to America's Health Insurance Plans, an association representing health insurance companies. Twenty four states now have at least 200,000 people enrolled in these types of plans in their states. Texas and Illinois have over 1 million each. Average premiums shown, but not out of pocket costs. The adoption rate by large employers has sky rocketed, such that 78% of those in HSA Qualified High-Deductible Health Plans are from large groups. Report released Nov. 2015

HSAs and High-Deductible Health Plans (pdf)

A primer prepared by Alliance for Health Reform (4 pages, April 2006) on HSAs (Health Savings Accounts), HRAs (Health Reimbursement Arrangements), and what people have to say about consumer-directed health plans - both proponents and opponents. Issue brief was prepared with support from the Robert Wood Johnson Foundation

Other Helpful Listings

Health Insurance Cost Estimate, 2015 Survey (Mercer)

Mercer's annual National Survey of Employer-Sponsored Health Plans, found that the total health benefit cost increased 3.8% in 2015, to an average of $11,635 per employee. (Average of $11,012 for small employers, to $11,973 for large employers.) A majority of large and jumbo firms offered HSA High Deductible health plans (CDHP) in 2015; overall about 25% of employees are on such plans. Highlights of the survey released November 2015

Health Insurance Coverage Estimates (June 2011)

CDC estimates from the National Health Interview Survey, 2010, show 16.0% of people in US were uninsured at the time of the interview (48.6 million people). Over 60 million had been uninsured for at least part of the year prior to the interview, higher than the prior year. Over 25.3% of people under age 65 with private insurance were enrolled in a High Deductible Health Plan (HDHP). PDF version is easier to read (28 pages)

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