Many brokers today remain skeptical that consumer-directedhealth plans will fulfill their promise. But they are missing thepoint: the connection between health and financial security isclear to employers and, increasingly, to their employees.
Employers without question believe in these plans, judging bytheir rapid growth. Indeed, 61 percent of employers currently offera consumer-directed plan, and an additional 17 percent plan tooffer one next year.[1]
High-deductible health plans, paired with health savings accounts (HSAs), in particular, are gaining inpopularity. According to a just-released study by America’s HealthInsurance Plans, more than 11.4 million Americans are covered byHSA-eligible plans. That’s an increase of 14 percent over lastyear. Indeed, enrollment has nearly doubled in the past threeyears. HSA-eligible plans have grown because they ease employers’cost burden, offer tax advantages for both employers and employees,and promote preventive care.
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