‘Consumer-Driven Health Plan’ Adoption Rebounds in 2022

Enrollment in health savings account (HSA)-eligible health plans and health reimbursement arrangements (both of which are known as consumer-driven health plans) climbed back to a record high in 2022, with 19% of employees enrolled in such a plan, according to the annual Consumer Engagement in Health Care Survey, published by the Employee Benefit Research Institute (EBRI) and Greenwald Research. Enrollment in high deductible health plans (HDHPs) that were not eligible to be paired with an HSA fell from 15% in 2020 to 12% in 2022. HDHP enrollees were more likely to have a choice of health plan than traditional plan enrollees, with 29% of them having three health plans to choose from. However, about 72% of enrollees spent less than an hour on their health insurance decision during open enrollment. HDHP enrollees reported they spent more time selecting a health plan.

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