Enrollment in consumer-directed health plansgrew 19 percent in 2012, increasing from 33 million in 2011 to 39million last year.

A record number of employers offer those plans, while moreemployees are taking advantage of them, according to an analysis ofthe Mercer National Survey of Employer Sponsored Health Planscommissioned by the American Association of Preferred ProviderOrganizations.

More than one-third of large employers (36 percent) offeredCDHPs in 2012, up from 32 percent the year before, while 22 percentof small employers offered employees a CDHP option, up from 20percent in 2011.

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