"Consumer-driven health plan designs are becoming increasingly popular among employers because they provide them with a vehicle for promoting consumerism and a framework for educating and motivating employees to actively engage in understanding and managing their health," said Maureen Fay, senior vice president and head of Aon Hewitt's CDHP working group.
Among employers that offer CDHPs, health savings accounts (34 percent of employers offered) were more popular than health reimbursement arrangements (18 percent of employers offered), but HRAs were more popular among employees.
To encourage employees to enroll in these plans, employers are using a variety of tactics, including subsidizing premiums at a higher level than other plan options (36 percent), covering preventive medications before the deductible (34 percent) and contributing employer funds to the HSA (30 percent) and HRA (22 percent).
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