Tracking the Evolution and Spread of Consumer-Driven Health Plans


Consumer-driven health plans (CDHPs), which include high-deductible health plans and tax-preferred savings accounts for medical expenses, have gained currency among employers as a strategy to reduce premiums and promote cost-conscious health care behavior on the part of employees. The Medicare Prescription Drug, Improvement, and Modernization Act of 2003 helped stimulate interest in such plans by introducing Health Savings Accounts, which allow people with high-deductible plans to save pretax dollars to cover expenses that their health plans do not. Little, however, is known about the extent to which CDHPs have proliferated or their effect on the health behavior of employees. The Employee Benefit Research Institute (EBRI) proposes to fill this research gap through an annual Consumerism in Health Care Survey. EBRI is requesting funding for the first year of the survey, with the possibility of subsequent funding requests in future years.

Grant Details

Grantee Organization:
Employee Benefit Research Institute
Principal Investigator:
Paul Fronstin
Award Amount:
Approval Date:
July 12, 2005

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