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Consumer-Directed Health Plans

Employees’ Perspective on Health and Wellness-Related Tools

Employers offer a number of tools and resources to help employer better access their benefits and improve their health. However, the usefulness of these tools often depend on the generation of the employee.


For more information on this chart, please see the National Business Group on Health/Aon Hewitt/the Futures Company’s Consumer Health Mindset report.

CDHP Enrollment

Enrollment in CDHPs continues to increase. Among employers offering a CDHP, the average enrollment in CDHPs has more than tripled from 2008 to 2016.

For more information on this chart, please see the Willis Towers Watson Best Practices in Health Care Employer Survey report.

Cost Per Employee, by Plan Type

The average cost per employee in an HSA-eligible continues to be significantly lower than the average cost per employee in a PPO or an HMO.

For more information on this chart, please see Mercer's National Survey of Employer-Sponsored Health Plans report.

Employers’ Adoption of Consumer-Directed Health Plans (CDHPs)

Since 2002, adoption of CDHPs has quickly accelerated. Currently, the vast majority of large employers now offer at least one CDHP.

For more information on this chart, please see the National Business Group on Health's Large Employers' 2017 Health Plan Design Survey report.

Percent of Covered Employees Enrolled by Medical Plan Type

The majority of employees covered by employer-sponsored health insurance are enrolled in a PPO plan. However, enrollment in high-deductible health plans (HDHP) with an account has increased rapidly over the last decade.

For more information on this chart, please see Kaiser/HRET’s 2016 Survey of Employer-Sponsored Health Benefits report.

CDHPs with Health Savings Accounts Are Most Popular

CDHPs with a health savings account are more popular than CDHPs with a health reimbursement arrangement. Many employers contribute funds into the health account, subsidizing premiums for CDHPs at a higher level than other plans or make a CDHP the default plan option.

For more information on this chart, please see the 20th Annual National Business Group on Health/Towers Watson’s Employer Survey report.

 

Infographic: All you Need to Know About CDHPs for 2017

By 2017, most large employers will offer at least one CDHP with a health savings account to their employees. There are variations by industry in terms of prevalence and design.

For more information on this infographic, please see the National Business Group on Health's Large Employers' 2017 Health Plan Design Survey report.

Employer Contributions to Health Accounts for Single Coverage

The average employer contribution to a health account varies by the type of account. The average employer contribution to a health reimbursement account arrangement is generally higher than the health savings account (HSA).

For more information on this chart, please see Kaiser/HRET’s 2016 Survey of Employer-Sponsored Health Benefits report.

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