The shift to health care consumerism is well underway. Trendscontinue to point to increased financial responsibility for consumerswith rising deductibles, increased consumer out-of-pocketresponsibilities, and accelerated adoption of consumer directedhealth care plans (CDHPs), health savings accounts(HSAs), and other account-based benefitofferings.

According to Mercer, enrollment in CDHPs among largeemployers nearly doubled in the past three years from 15 percent to28 percent of covered employees.

Employer adoption of these consumer-directed benefit designswill continue to grow for the foreseeable future, driven by theneed for cost control, the impact of health care reform and thelooming excise tax. The costs of providing health care continue torise, surpassing $25,000 for an average family for the first timein 2016 (Milliman Medical Index).

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