The 2024 Consumer Engagement in Health Care Survey, a health care report of 2,000 privately insured adults surveyed in the U.S., found confusion regarding basic aspects of health plan design. The majority of enrollees were found to have experience using “smart” health technology, but they wished the data generated by this technology could be shared with doctors and health insurers.
Figure 12
Figure 4
Respond Respond Respondent Profile ent Profile ent Profile
Fig Figu Figu Fig Fig Figu Figu Figu Figu Figu ur ur ur re re re re re re re e e e 10 9 3 6 11 8 13 15 7 14
Consumer Engagement in Health Care Survey
Figur Figur Figure 5 e 1 e 2
Three-quarters agreed that smart health technology has made it
About one-half of traditional plan owners with a choice of plans had the
Key Findings Key Findings Key Findings Key Findings Key Findings Key Findings Discussion of Methodology
Mos HD Mos Enroll Satis Roughly Cons Cons Two Two HP - - t t faction thir thir umers umers enr enr me enr ds ds ollee ollee nt four ollees of enr vie in hig opened us with in s s w ed do not und 10 ar their ollee h open various - e more repor dedu ers their HS s tan sp enr w A ted ctible end a lot ith d tools HS as likely ollment pr an HSA cur a savings As emiums health and ren to to sa is und of ti tly res high. w ve ere us pla and me ers account. our on ing ns tan us ces on taxes dedu (HDH sma ing it d HS health to rt ctibles choose and Ps) As, health to pay pla was als but to but n choice: sa ov for their technology; ve not era cur o fo health down ll ren r futur t or e
easier to access care, but two-thirds wished their data could be
Len Satis Source gth faction of Ti of Health me With Cur With A Insu spects of Health rance rent Plan Plan
High High High High
(CEHCS) Overview High High
option for an HDHP/CDHP; one-quarter did not know if an HDHP was offered.
Natio Nat nal ional Trad Trad itioit na iolnal DD educt educt ibl ibl ee Nat Nat ional ional Trad Trad itio itio na na l l De D duct educt iblibl e e
pr knowledge HD sl HD pla near ex ight escr pens HP HP n.-ly term enr enr iption in es. ollees ollees 20 out rema 24 dr-.ug of we sp - Nat ins pocke copays end more re ional low. more Trad t ex itor iolikely na pens maximum time l Deduct es. to tha iblus e n tra e out it.dition -of-pocke al pla Natn enroll t ional limits Trad .itee ionals. Deductible
shared with their doctor.
(n=2,011) (n=2,011) (n=1,549) (n=1,549) (n=462) (n=462) (n=2,011) (n=2,011) (n=1,549) (n=1,549) (n=462) (n=462)
(n=2,011) (n=1,549) (n=462) (n=2,011) (n=1,549) (n=462)
To the best of your kno W w hy led d ge, id you de was one cio dfe t he to ope plans n a you he wal ere th osav ffered ing , s but ac co didunt not ? take, a plan with a high
G Employme ender nt Status Ethnic Background
Household Income Marital Status
th Education
Ho To To w Ho the tst he w rong b s b est at A est libo y so fi do o f ed u Do y f to y y h w o ur o yo o ur ere u w ku no k ag muc no curren yo wl ree or wl u edge, h edge, w tt iit me ly h di o t sag are h How r di are e hd av fo ree ea yo d ea le lo o c u w w yo c h you siih n t pend o u h g o f ev ea v t f aspec he it e er he c w mak h fo us th fo o lled it o f s lslio n wi t acc o he g wi sf ng mart yo a ng fo ount? h st ur l eal lst o at h mo at wi em eal tem h ns g it t ent n h recen st ent s ur tat echn s ance s ab em ab to ent o o o ut pen ldeci ut o heal s g h reg y? eal en s io tardi h rol tn h i? ns ls men ng av uranc isma ntgs ? e rt
Health Plan Knowledge Is Often How are yo Lacking u using your account?
Satis H H 20 ealth ealth Ann faction Tech Sav uaing l C Wit Is P on s h Var A opula sccounts umer ious r, En bu A g (t H s a Enr pects SA gemen ollees s) Used of t H in Wa ealth in Healt nt a Data Var Ca h C iety re a Shar Is H re of Su ing igh Wa rvey , ys
Open Enr Ple ollment ase rate your satisfaction with each of the following aspects of your health care
deductible?/Did the high-deductible plan that you were offered but did not take also include a savings
The findings presented in this chart pack were derived from the 2024
Health Plan Basics
Has an HSA
Tools/resources used to help make a decision during open enrollment
Male 51% Among 52% those who 47% enrolledW thro hite/ ugh an employer
Less than $20,000 2% 3% Has <0.5%an HS M A arried 60% 57% 68%
accoh un pl eal H ans ta s t s (h HSA a t n HSA t ru echn e s)o tr ru o fa le o ls g o e? y? r fa lse? 90 percent of
Sm Emp art lo he yed afu lth t llW tHo ime ec hich w hno lo o a lo n c f t gy g c76% h o h ie unt s av d fo ef e o lilr ned o yo fwi und u n a 76% g t been s ha a best ny t y a o co pp u des c v lio c ered 76% cri ul at d io bes us n by e foh tr o o yo t he pa w So ur me pho yo y curren yo u hne, iur gh o sch bt hea weara ai to h lo tn h eal l o yo c r bl at e ur re expenses hd ih n ev eal sur ice, ance th o ir n ? o stur her t plance an? echnology that
70%
2024 CEHCS Funders
Out With H -ofealth -Pocke Prt ov Cos ider tss Dri an vd e Often Satisfaction Question Dow the n Accuracy
62% 59% 70%
1% 2% 1%
Percent 66% age of Enrollees in HDHPs and Consumer-Driven Health Plans (CDHPs)
EBRI/Greenwald Research Consumer Engagement in Health Care Survey
Extremely/Very Satisfied Somewhat Satisfied NoTr t u to eo/N Fa ot lse at all Not S su ati re sfied
30% C less aucasian
Among those who enroll through an employer, top 7 shown
includes the ability to sense or track activity for the purposes of managing your health. This can include
Female 49 48 53 2024
$20,000 to $29,999 2 Tra 3ditional plco a <0. n wi 5 verage th cho No ?itc ma e o rrifed, pla ns True False Not sure
Most enrollees understood premiums and deductibles but not adu 56 lt percent s
Ov The C er one onsu -ha me lf ( r Eng 56 pe age rcme entnt ) oif n indi Hea vid lth ua Car ls repor e Surv ted ey open (CEHCS) ing t ihe s ir
Employed part time 8 9 7 10 11 9
Strongly agree Somewhat agree
A deductible is the
Most enrollees spent less than two hours deciding on their health
Extremely/Very Satisfied Somewhat Satisfied Not too/Not at all Satisfied
ever (CEy HCS) thing , fro an m bl on oold ine gluc surv ose Nae tmoni l y that toring t exami ools, to ne ms ind isfsues s ulness and urro med und itat ing ion co apps, nsume to step r-driv tracker t en ools like
living w 82% ith partner 10% 8%
Most people with private health insurance reporH tH ed ispa ighn sch ge ic oto tli ng gradu the ateir 15 25 16 25 13 25
To pay for out-of-pocket expenses incurred this year or 34%
Traditional HDHP
Age To save on taxes
$30,000 t Annual em o $39,999ployee benefits g 3 uide from e 4 mployer 2 56%
amount you have to pay Blue Cross Blue 50% Shield
prescription drug copays or maximum out-of-pocket limits. Eighty-six are satisfied with the
a H s SA t urvo es y aof vep on riva ta te xe ly si.nsured Similarla y, dul 53t sp con ercen duct t ope ed ne by t d he the ir HSA to
Most Smart p tle ach n e no nrol Na logy i tio le na el ss ( n= we def 2,01 re s ine 1)a d tia sfi se an d wi y Tra a th p ditio p the lina ca ir l t he (n= ion a 1,54 lfor t th 9)phe lan. High Deductible (n=462) 65%
Overall satisfaction with myNational (n=2,011) Traditional (n=1,549) High Deductible (n=462)
You can use your
Apple watch and FitBit, to smart scales and water bottles, and more.
plan during open enrollment. Natl One-half spent le 60% ss than one hour. 13% 28%
60%Not employed, 3 3 3
in the near term 32%
health care, including the cost of insurance, the cost of care, satisfaction with
o Sm ut a ort h f po ealth cket tec during t hnolo he gy has made it easier to access Divorced or
covCons erage through t umer he Tria r dEngag own itional job (61ement percen 62% t) or thr in Health ough a 80% spouse’sCar 28% e Sur 11%vey 10% 9%
AS fri oc me an co Ameri llege can/ 21 As23 sociation 16
31%
24%
21 to 34 31% 33% 25% 7 6 7
$40 25% ,000 t hea o $49 lth, 999 care plan 4 5 3 plan selection process
percent understood that premiums are the amount 25%paid for health 48% 73%
s Emp loa ov kin e g fo loyee for r wfut ork B ure enef he ita Res lth ea care expe rch Institute nses( EBR and I)52 and peGr rcen eetnwa to ta ld ke opened their HSA to
Hph N SA ea one trl o y pa ,t wo wea y for -thi rabl rds e d were evice, ext reme or othe ly or r t v echn ery ol saogy tisfied. tha Onl t incl y ud 10 es 11 13 7
plan year for cH oD vered HP separated
6 –7
And nearly one-third spent less than 30 minutes.
the care I need Traditional 58% 12% 29%
60%
Black
job he (20 al tpe h care, rcent )sa . Onl tisfact y 19ion pew rcien th the saal id they th care gepl t it ans direct , reas ly from ons for choosi a ng a plan, and
Overall satisfaction with the process
Trade or bu63% siness 28% 30% 7%
HDHP 22% 28% 88% 8% 4%
health care services
Natl Traditiona28% l HDHP duri sav ng e oo n p ta en xes
35 t To hav o 44 e an account t 23 hat I can us24 e to save for f21 uture
$50, me i 000 t nsur di o cal a $69, nce, 999 exp reg ena ses rdless 10 of using care, 12 and 82 6 percent understood that
a Res dvea antage rch, a n i of emp ndeplen oyer dent cont res riea but rc ions. h firm. The survey has been 4 5 27% 2
pe therc aen biltit w y C t ere o DHsP en not se or too or track not a a ct t al ivitl y sa for tisfi the ed. purposes of
10% 21%
Widowed 1 1 61% <0.5
Employee benefits online portal
Homemaker 6 HDHP6 6 26% school 39% 53% 25%
64% percent 13% 23%
before yoSav ur pl ing an fbeg or health ins care expenses 26% in retirement
Asian/Pacific 39% CareFirst
he I wish alth my insuran data co ce uld ca be rr siha er red (11 m p oe re eff rcen ectt) iv or f ely wit rom h a government
sources of health information. The 2024 CEHCS was conducted within the United
Dohea n't kno lth w ca ifre expenses offered 20%
50% Less than one year 25% Between 15
9% enrollment
in retirement Of 9 fered 15% HDHP, 9 with 8
45 t the o 54 deductible I a is m en 23 the roll amount ed 23 throu you gh ha my v 25 e job to pay out of pocket before 61%
$70,conduc 000 to $99,999 ted annually s15 ince 50% 2005 16 . The CEH 13 CS prov 24% 22% ides reliable 44% 67%
to ma payna for gi ca ng re. health. Two-thirds of enrollees reported using smart
19% 24%
Islander 12%
20%
One-half of enrollees reported using annual empl Sinoy gle,ee benefi never marriedts 22 of enrollees 24 15
11%
my doctor College graduate 28 27 29
HDHP, 23% 23%
exch Retired ange (8 percent 6). 5 8 percent
50% 13%
States between Oct. 24 and Nov. 25, 2024, through a 16-minut ae cc io nt unt e,rne 28%t survey.
My choice of doctors 63%
70% 23% 7%
your plan begins to pay for care. HDHP enrollees were more likely
55 t na Whi ot 64 ilona e 36l dat perc aen on t 22 v the iewe growt d Nat tlhe 20 h acco of consumer unt 29 as an i -driv nv en est he me alt nt h pl acco ans unt,
$100, Sa he 000 t ta isl ofa t h $149, ct techn i999 on wi oltogy h choi atce s 23 ome of d poi oct 24 nt, or and s and 35%three t21 he qual in fiv ite y were of health 17% 49% 16%
are not too
9%
6 in 10
guides to help them decide. Just over one-half of HDH Other P enrollees3 3 2
Your health insurance The Cigna Group and 21
8%
Natl 28% Some post-gradua 47% te 25%
43% 13%
I a The m c ao m mfo ount rta o ble with f time yo sm u a ha rt d hea to m lth t ake a d echnoec logy ision using HDHP enrollees spent
If you leave your Online research 63% 29% 7%
The national or base sample was drawn from Dynata’s online 28% panel of internet
To take advantage of employer contributions 3 2 4
Other 1 1 1 14% 52%
Minimizing your taxes or reducing taxable income 11% or not at all
than traditional plan enrollees to answer these questions correctly. 38%
pla a 19 n nd w pe illhi pa rc gh y en fo 15% -ded t r v alilewe o uct f id blt e he he a a cco lth pl unt ans as a a nd checki their ing mp a acco ct ount n t15% he . Mos t (66
C comfort care r hildren in ecei Ha ous bl v ehold e ed wiwere th its us al18% s e of art o high,i fi wi cita h l s intel even lige in nce 10 be (20% AiIng ). 23% 40% 60%
$150, 40% 000 or more 38 33 54 work with private insu percent rance get of
Traditional 39% 44% 17%
40%
used the same resource, down from nearly two in three last year.
11%
artificial intelligence (AI) Hispanic
Traditional 36% 18% 28% 45% 27%
15% Few job, yo indi u vliduals ose your wit h private health insurance sa 11% id they have had a little more time
your covered care 16% 1-2 years 11% 23%
satisfied
users who havUse e agreHealth of Health ed tHealth Respond o Health Open Enr particip Plan ateTechnology Savings Plan in re ent Profile Know ollment search Basics su ledge Acco rveys. Theunts survey respondents
40% 20%
16% 37% covera 37% ge through their
enrollees
be perc ha en vior t) v aind ewe ad ttitthe ud es HSA of hea as a ls th av care c ings aonsu ccount me .rs.
ext I am en reme roll ly ed or v throu ery sgh atimy sfied. spo Les use's s tha /part n 10 ner' pe s rcent were not too
None 43% 42% 48% 36%
Declined to answer 1 1 1 Graduate degree 18 16 24
23% HealthEquity, Inc.
bef Ho DH re y P enrol ou hit yo lee ur o sut a-re more likely to use their employee benefits
HDHP 24% 64% 12%
14% 14% 12%
HSA
Yes 15% sel wit ec h qua ti16% ng lit a y health 13%
the Qua ir pl lity a n of for healt less h ca t re ha I n one yea HDHPr (10 perc 28% ent). One-half repor 20% ted 53% 19%
I trust that the data collected by my smart health own job
are not
16%
of-p w oTe cket ore hav m adul e aa xim n ac tum. s ag count es t21 hat -6 I c4 an w us ho e exc had lusiv he ely fo alrth insurance through an employer,
To cover unexpected medical expenses, so that I can
There was confusion among enrollees ov 69% er prescription copays. 66 percen 24% t view their 6%
or Just not ov at er a four ll sait n is10 fied. were currently using jo s b mart health
Employer-provided educational videos
One 24 25 21 20% 24% 47% 67%
Materials provided by your employer to help make
online portal than traditional plan owners. of care
receive through my pla10% n 22% 50%
32%
plan
technology is secure
30% having had it for one to two years (23 percent) or No three to four yea 85 rs 84 sat 87 isfied
62% 28% 10%
health care expenses
save more in other accounts HSA as a savings
28%
10%purchased directly from a carrier, or purchased through a government
30 Th Two 9% %e 202 -third 4 s s urv repo ey rtof 2, ed us 01 ing 1 indi the viduals accou was nt to pa conduc y ou tt ed -of- us pocket ing
technology, and dec Hisio DH ns P enrol 14% lees were more likely to use it
Only about one in four knew that the amount is not the same for and Ins c p ho ira icFi e nancial
A prescription copay is a
Two 21 22 20
HSA funds can be
with out-of-
8%
13% 3-4 years
28%
(28 percent). About one-fifth had it at least 10 years.
Natl Natl Refused <0.5 acc