CDHPs aren’t catching on














Despite the extensive attention paid to consumer-directed health plans, a survey conducted by the Kaiser Family Foundation shows that these types of plan arrangements have made only small inroads in the employer market. Such plans cover about 5 percent of all covered workers, which is not statistically different from the 4 percent share recorded in 2006 by the foundation.

“Consumer-driven plans have established a foothold in the employer market, but they haven’t grown as much as one might think, given all the attention that they receive,” says Gary Claxton, a vice president at Kaiser and co-author of the survey.

According to the survey, in 2007 the employer offer rate and enrollment rate for high deductible health plans with a savings option (HDHP/SO) did not increase significantly from 2006. That may change in 2008, as one-fifth of companies report being “somewhat likely” (18 percent) or “very likely” (2 percent) to offer an HSA- qualified HDHP in the next year, and almost one-quarter report being “somewhat likely” (21 percent) or “very likely” (3 percent) to offer an HDHP/HRA (health reimbursement account) in the next year.

Of companies offering health benefits, percentage that offer an HDHP/HRA and/or an HSA-qualified HDHP, 2005–2007

Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2006–2007.

Career Opportunities

HAP, a subsidiary of Henry Ford Health System, is a nonprofit health plan providing coverage to individuals, companies and organizations. This executive develops strategies to meet membership and revenue targets through products, pricing, market segmentation and advertising.  Aligns business among Business Development, Commercial Sales, Medicare and Public Sector Programs and Product Development. Seeks to enhance and be responsible for business development and expansion through the development of an effective product portfolio, strong interpersonal relationships and service excellence.

Apply via email to jfedder1@hfhs.org or online at http://p.rfer.us/HENRYFORDlXqAJA

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