In 2010, 5 percent of the U.S. population was enrolled in a consumer-driven health plan, representing 5.7 million adults with private insurance, according to the Employee Benefit Research Institute. That's up from 4 percent in 2009.

Employment based benefits

Enrollment in high-deductible health plans also increased, from 13 percent in 2009 to 14 percent in 2010.

Among the 17.2 million individuals with an HDHP, 37 percent (or 6.3 million) reported that they were eligible for an HSA but did not have such an account. Overall, 12.1 million adults ages 21-64 with private insurance, representing 9.5 percent of that market, were either in a CDHP or were in an HDHP that was eligible for an HSA but had not opened the account.

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