Many traditional plan enrollees have access to an HDHP or CDHP. Overall, availability of HDHPs and CDHPs among traditional plan enrollees reached at least one-half in 2024; three in 10 (28 percent) traditional plan enrollees were offered an HDHP with an account (CDHP), 14 percent were offered one without an account, and 11 percent were offered one and did not know about the account. August 14, 2025, #542 Figure 2 Availability of HDHP Among Traditional Plan Enrollees Enrollment in Consumer-Driven Don't Know If Offered HDHP Offered HDHP With Account 23% (CDHP) Health Plans Remains Steady 28% The Employee Benefit Research Institute (EBRI)/Greenwald Research Consumer Engagement in Health Care Su rvey found that enrollment in consumer-driven health plans (CDHPs), health plans that are paired with either a health savings account (HSA) or a health reimbursement arrangement (HRA), has remained steady since 2020. According to findings from the survey, 18 percent of respondents reported being enrolled in such a plan last year. Enrollment in health plans with high deductibles that were not eligible to be paired with an HSA (hereby called a high-deductible health plan or HDHP) continued to fall, declining to 8 percent in 2024 after having reached 15 percent in 2020. The trend away from HDHPs could be for a number of reasons. Some employers have backed off full- replacement HDHPs, adding health maintenance organizations (HMOs) and preferred provider organizations (PPOs) back into benefits packages. They have added other plan options because of concerns related to Offered HDHP, No Account affordability of health care and the recruitment and retention of employees, and because of the 2019 repeal of the Not Offered HDHP 14% “Cadillac tax,” the tax on 24% high-cost health plans. Figure 1 Offered HDHP, Don't Know About Account Percentage of Enrollees in HDHPs and 11% Consumer-Driven Health Plans (CDHPs) 40% Source: Employee Benefit Research Institute and Greenwald Research, 2024 Consumer Engagement in Health Care Survey. CDHP HDHP 35% 34% More information about the EBRI/Greenwald Research Consumer Engagement in Health Care Survey can be 32% 31% found online. 30% 28% 28% 28% 27% The 2024 Consumer Engagement in Health Care Survey is an online survey of 2,011 Americans ages 21–64 26% 25% 26% 15% 25% 12% with private health insurance coverage. It was fielded betwee 24% n October and November 2024. The survey is 25% 24% 13% 23% made possible with funding support from the following organizations: Blue Cross Blue Shield Association, 9% 8% 13% CareFirst, The Cigna Group, HealthEquity, Inspira Financial, Johnson & Johnson, Segal, TIAA, and Wex. 11% 14% 20% 18% 11% 18% 11% 11% 16% 16% The Employee Benefit Research Institute is a private, nonpartisan, and nonprofit research institute based in 14% 14% 15% 16% Washington, D.C., that focuses on health, savings, retirement, and economic security issues. EBRI does not lobby and does not take policy positions. The work of EBRI is made possible by funding from its members and 14% 9% sponsors, which include a broad range of public and private organizations. For more information, visit 10% 13% 19% 8% 19% 18% 18% 18% 11% 11% www.ebri.org. 15% 15% 14% 14% 13% 13% 8% 5% 10% 10% 7% Greenwald Research is a leading independent custom research firm and consulting partner to the health and 7% 5% 4% wealth industries that applies cre 3% ative quantitative and qualitative methods to help companies stay competitive 3% 1% 1% 0% and navigate industry change. Leveraging deep subject matter expertise and a consultative approach, Greenwald 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 offers comprehensive services to answer strategic business questions. For more information, go to Source: Employee Benefit Research Institute and Greenwald Research, 2024 Consumer Engagement in Health Care Survey. www.green waldresearch.com ### © 2025, Employee Benefit Research Institute, 901 D St. SW, Suite 802, Washington, DC 20024, 202/659-0670 | ebri.org 2