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New EBRI/Commonwealth Fund Research: Enrollment in Consumer-Driven Plans Remains Low, Survey Shows
Date:3/18/2008

say they avoided needed care because of cost.

Overall, the survey showed the following:

-- Consumer-driven plans: Enrollment in consumer-driven plans with a tax-advantaged account was 2 percent of the privately insured adult population in 2007, up from 1 percent the previous year. The 2 percent of the population represents 2.3 million adults ages 21-64 with private insurance.

-- High-deductible plans: Enrollment in high-deductible plans stood at 11 percent of the privately insured adult population in 2007, up from 7 percent the previous year. The 11 percent with high-deductible plans ($1,000 for families, $2,000 for families) represents 12.5 million people ages 21-64.

-- Income levels: The percentage of consumer-driven plan enrollees with household incomes above $100,000 increased to 31 percent in 2007, from 22 percent in 2005, according to the survey. Just 19 percent of adults with consumer-driven plans were in households with incomes of under $50,000 in 2007, down from 33 percent in 2005. In addition, the survey found that 23 percent of high-deductible plan enrollees were in higher-income households in 2007, up from 15 percent in 2005. There was little change in the income levels of those enrolled in more comprehensive plans.

-- Satisfaction levels: As in 2005 and 2006, individuals in consumer-driven plans and high-deductible plans continue to be less satisfied with various aspects of their health plan than individuals in more comprehensive plans. However, individuals in consumer-driven plans were somewhat more satisfied with their plans in 2007 than they were in 2006, and there was a significant increase in the share of consumer-driven plan enrollees who said they would recommend their plan to a friend or co-worker and stay in their plan if they had the opportunity to change.

"Although consumer-driven plans have been around since 2001, market penetration is small," said Paul Fronstin of EBRI, lead author of t
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SOURCE Employee Benefit Research Institute
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