The 2025 EBRI/Greenwald Research Consumer Engagement in Health Care Survey (CEHCS) takes the pulse of how insured adults navigate today’s health care system — from the cost of coverage and care to satisfaction with health plans, open enrollment decisions, and where people turn for health information. Conducted in the United States Oct. 13–Nov. 8, 2025, the 18-minute online survey polled adults ages 21–64 with coverage through an employer, purchased directly from a carrier, or obtained through a government exchange. This year’s edition explores plan choice and health plan basics, health savings accounts, financial security, and emerging issues shaping consumer decisions — including GLP-1 medications, health technology, and artificial intelligence.
Figure 20 Respond Respond Respondent Profile ent Profile ent Profile Figu Figu Figu Figure 18 re 4 re 9 re 3 Figu Figu Figu Figur Figu Figu Figure 6 re 11 re 7 re 16 re 19 re 2 e 14 Figure 13 Consumer Engagement in Health Care Survey Figure 17 AI-Related Uses Ranked Below Other Health Technology Key Findings Key Findings Key Findings Key Findings Survey Sponsors Key Findings Key Findings Key Findings Discussion of Methodology Most Did Cons Figu Af A Cons Higher Cons Netw Fina Figu Mor Enrollment bout fordab e Than re 12 ncial an re 5 umers umers umers orks H He alf o ility Was N alth Wer ot Opened Thr Used Vari Ex in H d Inflation f Tr Spend e Most Valu ee i pr Car igh aditional P ess the n e Costs -Deductible ed Gr Four a Their Primar ous Lot Stres H Tools and eater of ed; lan Wer ad a Health HS s Pers y Time on As Reason Enrollees Tr e A H Tr adit to ealth us is ss Receiv ted; H t ional ociated Resources in Health H Cons P ealth Plan With P lans ealth Enrollees e umers Employer Deductibl With P (HDH lan lan Car - Related to Chan Choice; Choice P e P Choos Disconti s) Valued L roviders Was e, ges Stres e Were H nued Their in DH owe s P r Two Figu Figu Figu Figu -re 8 re 10 re 15 re 1 Thirds of Enrollees With an HSA Were Using It to Pay for Two-Thirds of Privately Insured Adults Believed GLP-1 Medications High High High High (CEHCS) Overview High High Priorities 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 National Traditional Deductible National Traditional Deductible Usin Offered Cos Dow t Shar g GL n Slightl an HDH Ping, Whi -1 Medica y in 20 P; le One 25 HDH tions -Qua P Enrollees rter Did No Valued t Know Lower If One Premiums Was Offered Should Enrollees Thr Contr Sev Famili Af He Eased Tha Ho Satisfaction Increasing Am Employer fordab ee alth us en n ehold - in AI ibut ar Fifths Be C in 1 Plan; HDHP ity ility Was ions Spent fo 0 Coverage With ov Fina Viewe H With Aff r ered ; T ad He ong CDHP ax Sa ncial Behavior Mor alth a Choice the by H d Enrollees Those e Time Than ordable P Their Decisions vings Remained s Lea ealth Slipped H ding With Trad SA Fell Af of He Insu Mor lan as Reason Af ra alth Tr e Likely to Us Dominant ter Being a Savings nce; ter 20 Options adit itional PHalf Did lans ional Plan Car 24 Cov Uptick at Wo Decline e the Across Acc Was N e erage Top Reason ot Resour ount rk Enrollees Delayed Know P d lan in 2 ces If Th Types 025ey W in 20ere 24 Current or Near-Term Out-of-Pocket Expenses (n=2,001) (n=2,001) (n=1,531) (n=1,531) (n=470) (n=470) (n=2,001) (n=2,001) (n=1,531) (n=1,531) (n=470) (n=470) (n=2,001) (n=1,531) (n=470) (n=2,001) (n=1,531) (n=470) To the best of your knowledge, was one of the plans you were offered, but did not take, a plan with a high G Employme ender nt Status Ethnic Background Household Income Marital Status st Education How important were/would the following aspect of the health insurance plan (be) in your 21 Annual Consumer Engagement in Health Care Survey The findings presented in this chart pack were derived from the 2025 GL Fin Use Op P H Hlan ealth ealth P an en - d of 1 Ch ed cial Enr Med H u Technology Poice c ealth lan tollment ibl Sec A In ication bo e? Bas th /ur ut Sav Did e ity ics h last to he ing s w & year, an high muc A s ff A d ord -d ccounts h A h ed o I tiab w me uc muc tility ibl di e d ( pl h H yo a sSA n tres u tha s spend s ) t h yav ou e w mak ere you io n experi fg fered a h bu eal en t ced t d h id in no s fro ur t tance m ake each also deci inc of slt ud io hn es e ?a e savings Tools/re W sh oy urdi ces d yo usu ed deci to h de elp to mak open e a d a h eci eal sito hn s av dur in in gs g ac open coun en t? rollment When making healthcare decisions, how much do you trust artificial Has increased spending on health care expenses in the past year caused you to Are you offered a choice of health insurance plans?/How many different health Percentage of Enrollees Ho inw HDHPs do yo and u view Cons thisumer acco -Driv unten ? Health Plans (CDHPs) Which of the followin Ho g best w are des yocri u us bes ing ho yo wur yo ac u co obt un aitn ? your health insurance In the past 12 months, have you or Male How fami51% liar, if at all,52% are you wit46% h Consumer WhitDi e/rected Health Care or Consumer Less than $20,000 How strongly do yo 2% u agree 3% or disagree <0.5% witM ha each rried of the followi 62% ng statement 59% s 73% current choice of plan? Why did you st90 op t p ak ercen ing GLP t of -1 Emp Hav loyed e yo fulPl l tu ieas me eve er rat a us Does cc e ed 74% oyo unt GLP yo ur our r s-at f 1 medi und hieal s74% fa tha t ct hca tio pl yn o an t u iw oc n ih t o s 74% h av ul ? each de us a d e to o educt f pa Sto h me ye yfo o ihbl iur gh le lo sch hea wi foo r n lo tmedi g h l oc aspect r are expenses cal ca s ore? f yo ? ur health EBRI/Greenwald Research Among thoConsum se who enro er lH l tEn a hro s a g ugh an em n HSA agement plo y in Heal er, top 6 s th Care ho 61% wn Surv 59%ey 65% areas? Why did you delay 1% or avoid 1% seeking <0.5% GLP-1 Coverage Type of GLP-1 Coverage intelligence (AI)/digital health assistant tools compared to care from a Has an HSA insurance do plans any di o d f t yo he u h fo av lloe wi tng? o choo se from? Tra Has an ditional HS HA DHP coverage C less au? casian anyone else on your plan delayed or Driven Heal Top si th x sho Care wn plans? regarding smart health technology? Female 49 48 54 2025 medications? Please select all that $20,000 to $29,999 2 iT n ra s 3ur dit ance ional pl pl aan 1 n wistel h ect cho Noiito c ma e n o pro rrifed, plcess a ns . adu 54 lt percent s The Consumer Engagement in Health Care Survey (CEHCS) is a survey of privately insured (CEHCS), an online survey that examine 202s 4 iss 20ues s 25 urrounding consumer-driven Employed part time 8 9 8 care? 34% 11 11 It only c 8 overs Mos Co Mos Pr Amon ov nsumers t ti der en pri g enrol v ro ne alltee r el twor ep y ls ee irepor nsur or ks s twi ed were ed tth ed subst a he du tAmong fe he aa el llt t mos h s nti i ng be sa a t ho lv lfi ltiy ev i ina ng se mp hied nci who gh s or h aeal er GLP a cco t se a llly nt f ev t oh ut - s unt care 1 me ecure, el -a of s ct s - po ,of t or em prov di c w cat ket rus though pl he i de t expenses oyer i ons in n choos r? fewer went ing up Tr C ao dv ition ered al by Hig E hmpl Dedo uc yter ible 77 00 % % Emp Mostl oymen enrollee t-ba s spe sed nt he rela alt th ivel cov y lA ierag t lot tle of st tie me ressrema choos Somie ne stre id the d ng ss a A hea littleomi strelt ssh na pl N nt a onn e Yes No Not Sure living with partner 30% avoided getting the following care? CDHH P H ispa ighH n sch D icH o P ol graduate 15 24 16 27 13 16 100% 100% apply. 2024 2025 GLP-1 Age $30,000 to $39,999 Ext 3 remely/Very/S4 omewhat familia 2r Not very familiar Not at all familiar Strongly agree Somewhat agree Top Reasons delayed were at or avo id lea edst c are adults conducted by Ext the reme Emp ly/Very S loye atisfiee d Ben Som efi ew t Resea hat Satisfied rch Inst Not to ito/N ute ot at (EBRI all Sat) is fa ied nd Gree 32%nwald heal Yet s, h care for Type 2 dia , incl betesuding the cost of insurance, the cost of care, satisfaction with 6% 100% 35% a s cont he des houl hea acr ltri d h ibut be ltcare pr be h d pl ions c t a he ov n,were msel o ered ov ut ider ranki vtby he es he s ta mos ng ha s v a n i prem ery lt tn c h a iomm s nsur ecure rt iums ifici aonl nce, a a lcompa nd iy c ntel iot ndi itled ige he cat red reason nce r p ing la wi n ( A tbroad h fe I) for 20 for at24 ures open . . Co ings t- 35% To take advantage of employer contributions Not employed, 3 4 3 me54% dications du sour ring ce o Am 27% open ong t f hea enro hose lth wh insur llme o ne a nt. nce edA ed bout for the pri c one are vat -el ha y lf s insur peed nt less adu tha lts, n one hour with six in 10 31% DivorcAmong ed or those who stopped; Top Responses To paCons y for out-of-pocumer ket expenses incuEngag rred this year or in the ement near term in Health Care Survey 2024 AS fri oc me an co Ameri llege can/ 21 21 67% 22 61% Very Very 21 to 34 32% 33% 28% 2025 6 6 6 $40,000 to $49,999 61% 4 4 3 somewhat satisfied with 60% 32% for Type 2 Res lo he okin ea al g fo trc h care, r wh, ork an i ndep satisfact en Reddent uc ion e you w rres di isc th ea rethe ionar rcal y spen h t fih rm. dcare ing The pl surv ans ey , re ha as s been ons for choosi conduct opened ng ed a a t nn pl heir ua an, HSA ll y and tso ince Inflation/rising costs of goods & services 29% 33% ? 12 13 24% 7 13% 55% separated Fi he s rel a upp n account na a atlnci t ed or h-trel a for cons l s a t t res I cov ed wis , ider fol hs m deci rel erag l y owed a daa t ta ions t s co ed e of t ions. ul d by cont t bo e she Whi s h inf a ared iv s lnue a e t il ng e m to ion s rreatmen e ef d to ome for fa ecnd fut ti vpl el exp y ure a ev wy t ith sres eryd a m a he y c mon d so ed a en cto a ltry h tt g ral rus exp care expe cons ro t en in le ume A s in es I plrs nses a.n - . 18% Traditional HDHP 45% 64% Traditional Plan High 31% -Deductible Health Plan 47% rev recei iewi ving ng cov theierag r opte ions, through t and mos heitr s own pent job. under Cov two erag Nothours sue re, pa 16% . tterns have 60% Black I did not have/want to spen 28% d the 6 A 0n % nu9 a0 l % employee benefits guide from employer 28% Important Important diabetes, 32% Trade or business 28% 24% the receive plan em selp ec loy tier on 25% 35 to 44 24 24 23 45% $50,000 t sou o rce $69,2999 0s 24of health informat 10 ion. 11 7 27% 2005. The CEHCS provides reliable 61% national data on the growth of co 4 27% nsumer-4driven 59% 12% hea 6 lth Offered 6 in 10 Politics or general political climate money rema H t Fewer choi ool owev sce , t ine rus en er, deci d comm t ro o in lne lee sprov ions -s ha ci on, ia lder f d ted cr iev os d st rema a not sen pl x s a k a an is v now ne is t ng t ype res d m si f a ss ta .s rel he rk the a y edl 25% ted were ir y ? pri s to tma ro cov he ng ry a er ered W mot lth idow ascr tiv ed a 26% by os a tus ts iton t he ha he ir s 1 27% 1 22% <0.5 30% Mental health care 37% 23% 3H 0o %memaker 8 8 8 school A be ut en oma largel tYic es, re fy or weig s -en tabl hro t le, os llsme wit nt h a rema bout ins one common -third26% en a ro mon lled g in tradi inditviona idua A l l ff-or only dability 25% Smart health technology has ma 10% de it easier to access the care I need 43% 26% Asian 12% /Pacific 49% 61% Don't know if To ha 2v 0e 24 an account that I ca De n u crse eatse o sa yo vu er f c or ont furtibu uret ions healt to ot h ca hre er e sa xpe vinn gses s contributio44% ns 28% 66% 17% 14% 51% 22% HDHP, with process during open Minimizing your taxes or reducing taxable income 25% 1015% 9 13 41% 45 to 54 22 22 21 $70,pl 000 t ao ns $99, a999 nd high-deduct 77% 16ible hea 16 lth plans a 14nd their impact on the 27% behavior and attitudes of Good net 27%work of physicians and 27% 80% Good network of physicians and 76% Offered HDHP, 80% I wanted to see if my symptoms offered 24%Islander 24% e p m com a la esn. a ep s d. A ures am red on sho wi g t wn th ho p .sri e or who s years a.id they were covered, one-third 12% Single, n 24% ever married 21 23 13 Longer-term finances, like saving or paying down debt account, 24% Don't k Cn o ow llege if 28% graduate 2926% 28 22% 30 pl cov an erag enro e llee and s. 74% most others covering a spous26% e or partner. Retired 6 6 6 50% I trust that the data collected by my smart health technology is s20% ecure 13% enrol 46% lment with59% account, would disappear or lessen on their 34% HDHP, 23% 2025 23% 13% saw increases in their hospitals 57% hospitals 31% 13% 25% 38% 50% 28% Should 55 t he he oa a 64 ltlht ih nsucare c rance plans onsu cov 23 ermers. 21 28 offered HDHP, $100,000 to $149, Phys999 ical therapy 23 22 26 70% 34% Achieved target weight loss Employee benefits online portal 28% 2repor Tradi 0% tt iona ed tlha pla t t n enrol hey were leesonl In pl cre a y aced se cov your c ered grea redit ca tfor rer d de idi mp bt abe ortt a es, nce on l one in ower 10 6 in 35% 10 The 2025 CEHCS was conducted within the Ot Uhnit er ed States bet 3ween Oct 3 . 13 and 1 27% 25% 66% 16% 18% own 25% Some post-graduate 9% Paying for everyday expenses, needs, or bills 22% 29% 27% 22% 70% 44% health care costs GLP-1 medications? 26% 8% 23% Yes, for another medical condition 2% 65% 2 1 4 Other 1 1 <0.5 I question the accuracy of the data I get from my smart health technology 15% 13% 43% 59% To have an account that I can use exclusively for health care expenses 47% Children in Household $150,000 or more 40 38 47 work 17% with private insurance got Saving for health care expenses in retirement 35% repor out Fo Mos Whe ur i -of tn n H t- ed a pocket SA 10 sked thol en ha ro tder a c tbout lhe lee os s y v t ss i were ewe repor w the he rel d n onl ted ta recei he ty iv ticov r ha e a v icco mp ti ng ered the or unt care, ir ta he for as nce of a obesi whi a lth scare la e di v thi y, ing ffgh and 14% eren cos s -a ded cco ttfour s ha uct unt d in ibl e Lo Nw ov out . 8, -of 2 -pocke 025, t t hroug costs whe h n an you 18 se-e minute75% int 11% erneLo t su wer rv ce oy st. oTfhe prem nat ium ional or base samp 72% le Deduct Satisfact ibl ion es wi rema th the ine open d a c enro ommlon lme fe nt aproc ture ess of hea rem His ltpa a h ini ne cov c d h erag igh.e. Visit for hospital outpatient I did not have time HDHP enrollees spent a 2024 Wor 47% k 32% 22% 30% 18% 20% 29% 29% 23% 9% 40% Finan Use Health Hof Health avcial e difGL Respond Health ficOpen Enr ulty pa P Security Plan ying -1 Medi ot Technology & AI her billsSavings Plan Choice ent Profile ollment & Affo cations Basics Acco rdability unts Nega11% tive side effects 34% 22% coverage thro 24%ugh their The 2025 survey of 2,001 individuals18% was conducted using Dynata’s online research panel the 60%doctor No 20 n I 2 e a 5 m comfortable with sm46% art health technolo 46% gy usin63% g artificial in 46% telligence 11% (AI) 14% 19% 42% 15% 56% Declined to answ ca er re/surgery <0.5 <0.5 <0.5 Graduat11% e degree 19 18 22 4he pl 10 rat i0 ncreased %a w a he repor n las ten h r than tdraw ro echn ted llee in a tn t ol ha n i she pl from ogy nv t a pa the ced g est us sDy y tme year. es, were nat reater nt AIv - a’s A rcov eh ela mon i on icl mp tered ed e. lg t ine or Onl ahose tpp for a pane nce on y libot a cat exp bout lh. i ons of int eri l t ower en hree ranked e ci rne ng prem in t 10 increased be users iums. low w ho have agreed to 16% 20% Mor Mose t a tha dun t lts hree repor -qua ted rt be ers ing of enrol satisfi 16% ed leewi s ha th d the a ded ease uct of pl ible afor n 31% medical 20% Yes 15% little m 16% ore time 13% 15% own job Online research Saving/preparing for retirement 19% I was af 30% raid that I had a serious 29% 22% No, but I have considered taking 13% between Oct. 13 and Nov. 8, 2025. All respondents were between the 61 a pge ercen s of 21 t viewa ed nd 64. To cover unexpected medical expenses, so that I can save more in other 29% One participate in re 24search su 25rv24% eys. The 22 survey respondents were adults ages 21-64 more cos v Pr iewe esc ts,ri est d more pttihe a on 14% bl ir it dr sha H he ug SA 14% n d ha cov pri tool ma lf erag red s a rilnd y uced di e afun s increased i an i cts nv ions. crest etiTh ona me n isimp nt sry ugge a s or pe cco ta ndi snce compa tunt s t ng ha , ,i o ndi t, ne cat -thi red ing rd I rely on my smart health technology to help me make heTo sav althiere li fon estyl ta e c xeh soices Trip to a hospital emergency 14% 42% 43% 56% Take less time off of work/Use less paid time off health problem that I did not wan 26% t s care, elect iincl on 20ud a 25nd ing the 70 th i e pe nf m or rc ma en 34% t ti on of ta radi vaitla iona ble l tpl o a the n en m d rouri llee ng s43% . open Th 12% e sha re 34% of selecting 15% a heal 24% th plan Prescript 50% ion drug coverage 74% Prescription drug coverage 70% No Lifestyle chan85 ges 84 87 16% 20% 21% accounts 31% their HSA as a 30% Balancing work/home life priorities room 16% 28% 29% 27% to face who had health insurance through an employer, purchased directly from a ha wi A lcompa imi Tbout w td di h o ted pri I wis o ff or us red i hne cul m e of HSAs yea y - dtwi t ay hi tars t pa rd co h .ul ot yi ( d35 b 19 ng he e s as hpe a r h ot l red ong rc ea he mo en rr b e ef l- tt h term 18 ) fiel s tl cechn s tit, voppe el a s y nd a wiv th ol im ng one d ogy y ht ea s 20 a t lt -ki ool h qua pri in ng sur or s a .rt n tit ce he er ies, red me AIuced di plcat aysi on. a en tradi 15ro % ltlime ona nt. l pl H a owev n enro er, llee sast iwi sfa th ctded ion wi uct th ibl the es a increased i vailability n of 2025, 30% 14% 15% 38% 53% 15% Refused <0.5 saving <0. s 5account; 3 <1 0. 5 Decrease your contributions to a retirement plan, such as a 401(k) plan or company 9% 10% 13% I ha 22% d difficulty identifying an in- Th 40e na % tional sample is weighted by gender, age, income, ethnici 26% ty, education, and Needing to provide c 14% are for others carrier, or purchased through a 13% governmen 22% ?t exchang 25% e. 40% No, an 9% d I would not consider taking cont A more mon ribut lg t imi 2he t 0 ions 2 ed 4m, ro t o ma le ret in ny co ireme how nsumers nt cons sav ume ing repor srs . cur ted rent tha ly tt c hios nk ta concerns bout ThreeEmployer-provided ed7 u8% cational videos7 62% 21% 6 IRA Lack of insurance coverage 28%8% 13% 11% 17% Au percent to Re v -Enr iewed ollment it as a rei Usin ff g nf ord V sm isit orci a to ra t h b sp ea ng e lle th cia pl te t list ch he 'a sn of on i lo fdea ic gop e y or t o i th on ter ha ds igit an t a e l to xp d olsos t co he 21% n ure vin nu ced tm o me to b up e see fron r of p k in-pter cos lsa onns tst i o s ch nooos t lim eit from ed to 20% 57% 2024 8% 13% network physician or facility To help save for health care expenses in 76% retirement 23% 33% 14% 9% Area 34% Lower coInv st o est f in prem g accium ount funds in stocks, bonds, or mutua72% l funds Low out-of-pocket28% costs when you 19% 68% them 10% 41% 19% 51% 10% 20regi % on to reflect the act care ual proportions in the population. 18% 18% 18% 11% pl us Despi Two a ing yed -t hi tte echn rd a wi scentr 11% des of HS ology prea a A l ro Phol ia n d ying le he fa der fin or a mi med ts lt he lh repor ia iccare. iri a r t l exp c y arwi t eed eri th us en cons 13% ing ce w ume the ith ir r- a GLP 22% di cco rect -1 unt ed the o pa alty for h 30% an investment 34% Four or more 3 3 3 One in four enrollees Not offered Offered HDHP, hi decl 1gh 0% 30% -ine ded d uct in 20 ibl 25 e ,pl whi ans. ch could be related to affordability more I wanted to wait for my preferred Delay or reduce the amount you pay toward student loan debts see the doctor 15% 19% 15% 15% 10% Suburb 46% 45% 5% 51% 20% 14% 14% Visit to my primary care doctor's I trust the health plan recommendations AI provides HDHP, 24% 13% Conc 10% erns about long-term u41% se account and50% 23 no account, 2025 56% 13% 31% 13% 13% provider even though I could see a 10% 4% me A cur pl 5%ff aor rent ns, didabi cat concerns or ions. l ine ty rema a Fo r-t about ur erm iine n 10 out d a o s-t ut of key oppe --of pocket ba -pocket d rrtia er ki hea t ng o ca os lit tcces h be tscare expe cont cause sing inue care. of d to nses Co be . Fewer st t was he 17% were automatically re- Mental/behavioral health needs Adults (ages 26 or older) in Household 11% 19% 11%26% 11% 43% geTne his ral sa ly. mple was stratified by gender, age, region, income, and race. In previous 8% 15% office (not a specialist) 11% Does your health insurance plan 10% 3% 7% 10% different one Large city 22 percent 24 as a 16 Friends and Not f su am re ily consu 4% ltations Sim 20% ple to underst To u asnd e the investment options to grow my ac 69% count Simple to understand 63% To pay for a mix of short-term an 24% d long-te25% rm healthcare51% expenses 27% 31% 8% 8% 10% Drop or reduce coveI ra trg us e t f th oe he r otha elt rh in ca su rr e a d neci ce be sionn s e AfI itp s rovides 18% 11% 17% 37% 47% a t repor mos Ta he ffken t or ltea dabi c ted omm di oget ng lus ity, i ng on he reason and r, t reason he the one ir cons H findi SA itn radi ume ng pri sev ma s ten iona 7% irs ndi d ri repor ly cat el l pl ta o a yed e st n enrol a ed tha ve or ttha for a allv ee t though he oi the sded a do y lth di A not he care scont I a i ss lel t pa h iect nue care rt d enrolled in their health cover GLP-1 medications? years, the survey was fielded using Offe I re ps d os’ panel. There were 2,001 national sample Enrol Nonelment in high-2% deductibl2% e health pla 2% ns declined slightly in 2025, 5% Physical health or medical needs 11% 26% 31% 32% Employee Benefit Research Institute None of theG pr rov eeid nw erald s wer Rese e arch checking account 4% 5% 5% 3% Medication was not effective 7% 9% Small city 18 18 18 2024 4% 46% 29% 25% 10% 2025 Lab/imaging test 3%s HDHP, no 16% 67% 21% 11% 10% 3% plan. Traditional plan of t exp t us the he e beca he y sen e opt ne hea ses eded, us iions. n lte h ret t i u techn iwas reme nders ol not nt. cor ogy cov ing la nds ered thecap cby i ont e, nsur inue cons a d nce. ume impa rsct pl o af hea ce lth care available 901 D St., SW, Suite 802 4201 Connecticut Ave. NW, Suite 620 co 10%mpletes, of which Smart 1, hea 53 lth1 had t technology isradit not worional th the co stinsuranc 13% e coverag 30%e, and 470 43% had a Take Emp and a Of loa fe len oyee rn e or d ro witlh l bene me drawnt al from ifi n t a scons gui retirem des ume ent plan, rema r- su dicrect hi ne as aed d the 401(khe ) plan mos alor th tpl ca omm ns and onlhe y ua sed lth Offered HDHP, One 17 18 15 2% 0% Caregiving responsibilities account, 10% 18% ?Not offered 20% 51% 15% Rural 14 13 16 Washington, DC 20024 It covers GLP- Washington, DC 20008 Reimbursing yourself for out-of-pocket health expenses when you need the HDHP, don't IRA 16% don't know owners continued to be Specific co Pv reera fer nge ot to sa inc yluded in the plan 62% Spec I use ifd ic d c igo ital t vera Unab ools ge (i. le e to .,inc ap ge lp ud t or the ed in the 59% grea cosI t ts oo t o er k n n o confi a hous ction a dence i eh nd Lol esd f s thain n na 51% minu prov nces. tesider 5s -2 a 9 m nd inutepri s 14% ori3 t0 ize minu ot tes t he o an r 1-2 hours 3-4 hours 5+ h Itou only c rs overs 0% I want to use AI tools to help me make health To h cae re lp sa deci vse io fn or s, r b e utt I ire d m oe nn ’t k t noH wDHP , 22% high H- Rde /Bene duct fits depa ibl rtme en he t consu alltt ah pl tions an (HDHP). The sample is w 21% eighte 23% d by gender, age, res sav our ingce s acco wheunt n sel s ( ect HSAs ing ) a app he ea altred h pl t a o n, be especi relatia vlel ly ya smon table. g hi Ngh on- –HSA- 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 20 6% 21 2022 2023 2024 2025 Tw 0% o 67 66 68 1 medications Phone: (202) 659-0670 money 9% Phone: (233% 02) 686-0300 42% 2025 about know about 34% 15% 34% 32% Paying for mental/behavioral health care 8% 16% ? me Ch dic aa 18% tG tions/ PT) fMe or a dd ic va ic te ion ins shor teat d a of ges 58% was a Pu re tom script atic ioa nlly drugs 14% hour 9% 0% 0% where to start GLP-1 I am enrolled through my job I am enrolled through my I purchase it directly from a health I purchased it through a state or plan more likely than HDHP I trust AI/Digital tools much I trust AI/Digital tools I trust them e for qu bo ally th I trust AI/Digital tools I trust AI/Digital tools much t Ta echn ken t ologet ogy he uses r, tov heer findi AI ng at t s hi sugge s time s.t that while interest in and Startiincome ng in 2014, HS, A -el e igtihnici bles (with tno y, ac e coun ducat w t)w w w er .eb e ad riion, .org ded to and reg the CDHP group. ion to reflect t greenw he act aldres ual earc p h.com roportions in t ache coun t, 14% account, Purchase additional insurance to help with expenses 0% 0% 10% 20% 30% 40% 50% 9% 60% seeking7 c 0a %re 80% 90% 100% el ded igibl uct e re-e ihi bl nrgh olled e pl -ded an en uct ro ible llee pl s. a Whi ns cont le a v inue ariet d to y of t repres ools a en nd t a res sma ourllces sha re I want to use AI tools to help me choose which health plan is right for me, but I medications Have no choice Total Choice of sp 2 plans ouse's/partner's job ChTr oic ad eit of ion 3 a plans l insurancCh e c oic arre ie o r f 4 or morH eig ph lan D fe e sd d e u rc at l ible H ga ov ve e a rnm ch eoic nt on e, lin bu et don't Three 9 8 11 more somewhat more conditions, somewhat less less Starting in 2019, Dynata’s panel was used for the sample. 11% 31% 42% 11% enrollees to be 0% 10% 20% 30% 0% 40%10% 50% 6 20 0% % 30% 40% 50% 60% 0% 7 10 0% % 208 % 0% 30%90%40% 105 00 % % Savings account Investment account 0% 10% Ch2 e 0c % king ac 3c 0ou % nt 40% 50% Non6 e0 of % the abo 70% ve 80% don’t know where to start 0% 10% 20% 30% 40% 50f% or obesity, 69% 0% marketplacek o nr o e w xc hh oa wn ma ge su ny pla ch as ns support for G 0%LP-1 m 10 e %dicati2 on 0%s are hi 30%gh, affordab 40% ili5 t0y %remai 6ns a 0% 70% 80% 90% 100% population. 0% 10% 20% 30% 40% 50% 60% 70% 0% 5% 10% 15% 20% 25% 30% 35% 40% 0% 10% 20% 30% 40% 50% 42% a of cov re ave arag ilabe le ., most consume 0% 20% rs 40 r %eli6e 0% d on 80% a l 1i0m 0%ited set of ?= Significantly higher than previous year Four or more 5 5 4 Source: Employee Benefit Research Institute/Greenwald Research, 2008–2025 Con 0% sumer Engage 10me % nt in Heal2 th 0% Care Survey 3& 0% 2005–2007 EB 40 R% I/H Ce oa m ltm hc on aw 5 re 0 e.% a glov th Fund 60% automatically re- “Don’t know” responses not shown 0% 10% 20% 30% 40% 50% 60% 70% ?= Significantly lower than previous year sign “N “N “No o ot t t s s si ure ure ure fican ” ” ” re re res s sp p po o onse nse nse t s s s ba not not not s s show how how rri n n ner shaping access and use among privately Consumerism in Health Care Survey. information sources when making plan decisions. Source: Employee Benefit Research Institute and Greenwald Research, 2025 Consumer Engagement in Health Care Survey enrolled in their plan. S SS S S ou ou S S S S S S S S S S S ou ou ou S ou ou ou ou ou ou ou ou ou ou ou S ou rc rc ou rc rc rc rc rc rc rc rc rc rc rc rc rc rc e e rc e e e rc ::e e e e e e e e e e e :::e Em Em :::::::::::e Em Em Em :Em Em Em Em Em Em Em Em Em Em Em :Em p p Em p p p llp p p p p p p p p p p oy oy lllp oy oy oy lllllllllllp oy oy oy oy oy oy oy oy oy oy oy loy e e loy e e e e e e e e e e e e e e e e e e e e e e e e e e e e e e e e B B e B B B e e e B B B B B B B B B B B e e e B ne ne e e e e e e e e e e e B ne ne ne e ne ne ne ne ne ne ne ne ne ne ne e ne fi fi ne fi fi fi t tfi fi fi fi fi fi fi fi fi fi fi t t tfi R R t t t t t t t t t t tfi R R R t e e R R R R R R R R R R R te e e R se se e e e e e e e e e e e R se se se e se se se se se se se se se se se e a a se a a a se rc rc a a a a a a a a a a a rc rc rc a rc rc rc rc rc rc rc rc rc rc rc a h h rc h h h rc h h h h h h h h h h h IIh nst nst IIInst nst nst h IIIIIIIIIIInst nst nst nst nst nst nst nst nst nst nst Inst Iiinst t tiiiu u t t tiiiiiiiiiiiu u u t t t t t t t t t t tit tt u u u u u u u u u u u e e it t tu te e e t t t t t t t t t t tu t e e e e e e e e e e e a a e ta a a e nd nd a a a a a a a a a a a nd nd nd a nd nd nd nd nd nd nd nd nd nd nd a nd nd G G G G G G G G G G G G G G G G re re G re re re G re re re re re re re re re re re e e re e e e re nw nw e e e e e e e e e e e nw nw nw e nw nw nw nw nw nw nw nw nw nw nw e nw a a nw a a a lla a a a a a a a a a a d d llla d d d llllllllllla d d d d d d d d d d d lR R d lR R R d e e R R R R R R R R R R R e e e R se se e e e e e e e e e e e R se se se e se se se se se se se se se se se e a a se a a a se rc rc a a a a a a a a a a a rc rc rc a rc rc rc rc rc rc rc rc rc rc rc a h, h, rc h, h, h, rc h, h, h, h, h, h, h, h, h, h, h, h, 20 20 h, 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 25 25 24 25 25 20 25 24 25 25 25 25 24 24 25 24 25 25 C C 25 -C C 20 - - - -C C C C C C C on on 20 20 20 20 C on on C on on on on on on on 25 on 25 25 25 25 su su on su su su su su su su su su C me me su C C C C me me su on me me me me me me me on on on on me me r r su r r En En su su su su r r r r r r r En En r me En En En En En En En r En me me me me gage gage En gage gage gage gage gage gage gage gage gage gage r gage r r r r En En En En En me me gage me me gage gage gage gage me me me me me me me me me nt nt nt nt nt nt nt nt nt nt nt nt iime n n nt iime me me me n n iiiiiii n n n n n n n iH H n H H int n e e H H H H H H H nt nt nt nt e e H a a e e e e e e e H a a e i n lla a a a a a a iiiie t tn n n n lla h h t tllllllla H h h t t t t t t tlH H H H t h h h h h h h C C le h tC C e e e e h C C C C C C C a a a C a a a a a a lre re C a a a a a a a tllllre re a h t t t tre re re re re re re a h h h h re S S C re S S u u C C C C S S S S S S S u u a S rv rv u u u u u u u a a a a rv rv S u re rv rv rv rv rv rv rv e e u re re re re rv e e rv y y e e e e e e e S y y e S S S S y y y y y y y u e y u u u u rv y rv rv rv rv ee e e e yy y y y insured adults. 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