New Consumer Driven Health Plan Survey

Aon Consulting and the International Society of CEBS just released the results of a survey of 434 employers on the topic of consumer driven health plans (CDHPs). 28% of the surveyed employers offer CDHPs, up from 22% in 2005. 43% of the CDHPs offer health reimbursement arrangements (HRAs) and 48% offer health savings accounts (HSAs) — a flip flop from 2005 in which 67% offered HRAs and 15% offered HSAs. Only 10% of the employers offering CDHPs gave their employees a choice of HSA or HRA down from 15% in 2005. The FEHB Program provides an HRA option for enrollees who cannot contribute to an HSA, e.g, due to Medicare eligibility.