The 2023 Consumer Engagement in Health Care Survey collected information from 2,020 Americans, ages 21–64, with private health insurance coverage and was fielded between October and December 2023. This Fast Fact reports on research trends collected about enrollment in consumer-driven health plans between 2005 and 2023.
Figure 2 Availability of HDHP Among Traditional Plan Enrollees April 4, 2024, #498 Offered HDHP, With Account Don't Know If Offered HDHP 31% 23% Enrollment in High-Deductible Health Plans and Consumer-Driven Health Plans Remains Steady — Over One-Half of Traditional Plan Enrollees Offered HDHP Enrollment in consumer-directed health plans (CDHPs), health plans paired with health savings accounts and health reimbursement arrangements, appears to have leveled off, bouncing around between 18 and 19 percent Not Offered HDHP between 2020 and 2023. A 20% ccording to findings from the Employee Benefit Research Institute (EBRI)/Greenwald Research Consumer Engagement in Health Care 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 account fell from 12 percent to 9 percent between 2022 and 2023, after having reached 15 percent in 2020, Offered HDHP, No Account 13% according to the survey. Offered HDHP, Don't Know About Account Figure 1 13% Enrollment in Consumer-Driven Health Plans and High-Deductible Health Plans Source: Employee Benefit Research Institute and Greenwald Research, 2023 Consumer Engagement in Health Care Survey. 40% Consumer-Driven Health Plans High-Deductible Health Plans 34% 35% The survey found that enrollees in traditional health plans value low out-of-pocket costs, while HDHP enrollees 31% 32% value lower premiums. 30% 28% 28% 28% 27% 26% 26% 15% 25% More information about the EBRI/Greenwald Research Consumer Engagement in Health Care Survey can be 24% 25% 24% 12% 13% 23% found online. 9% 13% 14% 11% 20% 18% 11% 18% 11% 11% The 2023 Consumer Engagement in Health Care Survey is an online survey of 2,020 Americans ages 21 –64 16% 16% with private health i 14% nsur 14% ance coverage. It was fielded between October and December 2023. The survey is 15% 16% made possible with funding support from the following organizations: Blue Cross Blue Shield Association, 14% 9% HealthEquity, Inspira Financial, Segal, TIAA, and Voya Financial. 10% 13% 8% 19% 19% 18% 18% 11% 11% 15% 15% 14% 14% 13% 13% 8% The Emp 5%loyee Benefit Research Institute is a private, nonpartisan, and nonprofit research institute based in 7% 10% 10% 7% Washington, D.C., that focuses on health, savings, retirement, and economic security issues. EBRI does not lobby 5% 4% 3% 3% 1% 1% 0% and does not take policy positions. The work of EBRI is made possible by funding from its members and 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 sponsors, which include a broad range of public and private organizations. For more information, visit www.ebri.org. Starting in 2014, HSA eligibles (with no account) were added to the CDHP group. Starting in 2019, Dynata’s panel was used for the sample. Greenwald Research is a leading independent custom research firm and consulting partner to the health and Source: Employee Benefit Research Institute/Greenwald Research, 2008–2023 Consumer Engagement in Health Care Survey and 2005–2007 EBRI/Commonwealth Fund Consumerism in Health Care Survey. wealth industries that applies creative quantitative and qualitative methods to help companies stay competitive and na vigate industry change. Leveraging deep subject matter expertise and a consultative approach, Greenwald offers comprehensive services to answer strategic business questions. For more information, go to Many traditional plan enrollees have access to an HDHP. Overall, availability of HDHPs among traditional plan www.greenwaldresearch.com. enr ollees reached three in five in 2023. Three in 10 traditional plan enrollees were offered an HDHP with an account, 13 percent were offered one without an account ### , and 13 percent were offered one and do not know about t he account. EBRI on Twitter @EBRI or twitter.com/EBRI LinkedIn: linkedin.com/company/employee-benefit-research-institute EBRI on Twitter: @EBRI or twitter.com/EBRI LinkedIn: linkedin.com/company/employee-benefit-research-institute © 2024, Employee Benefit Research Institute, 901 D St. SW, Suite 802, Washington, DC 20024, 202/659-0670 | ebri.org 2