Consumer-driven health plans didn't see as much action this year as they did in 2009; CDHPs grew at a rate of 18.1 percent, about half that of last year. And CDHPs no longer cover more employees than HMO plans.
According to preliminary results by United Benefit Advisors from its 2010 UBA Health Plan Survey, CDHPs grew at a rate of 18.1 percent this year. In 2009, growth for CDHPs was at 33.9 percent and covered more than 15 percent of employees. In 2010, CDHPs covered 12.4 percent of employees, and HMO plans covered 15.4 percent.
The Northeast region of the country had the largest concentration of CDHPs (26.7 percent), followed by the Southeast region (22.9 percent). The average cost increase for all CDHPs at 7.3 percent was slightly lower than that of the average of all plan types, which increased 8 percent this year.
Recommended For You
The survey also found the average employer contribution to an HRA was $1,481 (up from $1,310 in 2009) for a single employee, and $2,857 for a family (up from $2,502 in 2009).
"The trend toward employee empowerment and participation continues in 2010 when it comes to health care," says Bill Stafford, UBA vice president, Member Services. "Employees are taking more control over health care expenditures by increasing participation in CDHPs, and they are also realizing that there are financial benefits – in addition to health benefits – of participating in wellness programs.
"In spite of passage of health care reform legislation, health care costs will continue to increase. There has been little coming out of Washington to date that addresses the underlying health care issues that can help control costs," Stafford said.
Other key statistics:
- The average increase for all plan types was 8 percent.
- PPO plans have nearly two-thirds of all enrolled employees (65.7 percent).
- Fee-for-service plans will no longer be reported as the plans remaining are insufficient to develop legitimate benchmarks.
- The average employee contribution for plans with contributions for all plan types is $113 for single and $443 for family.
- More than three-fourths of all wellness plans (77.1 percent) offered a health risk assessment.
- Of all plans in the Northeast, 81.7 percent still have 100 percent coinsurance.
- 52.9 percent of all covered employees also elected to cover their dependents.
The 2010 UBA Health Plan Survey will be available to the public on Nov. 1.
© 2025 ALM Global, LLC, All Rights Reserved. Request academic re-use from www.copyright.com. All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.
