Figure 2 Familiarity With Consumer-Directed Health Care Extremely Familiar Very Familiar Somewhat Familiar Not Very Familiar Not At All Familiar Not Sure January 13, 2022, #420 Traditional Plan 10% 13% 24% 18% 25% 9% Enrollment in High-Deductible Health Plans and Consumer-Driven Health Plans Remains Steady — Most 3% High-Deductible Health Plan 24% 21% 24% 11% 16% Traditional Plan Enrollees Still Not Familiar With Them Enrollment in consumer-directed health plans (CDHPs), health plans paired with health savings accounts and health reimbursement arrangements, was little changed in 2021 after reaching a record high. According to 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% findings of the Employee Benefit Research Institute (EBRI)/Greenwald Research Consumer Engagement in Source: Employee Benefit Research Institute and Greenwald Research, 2021 Consumer Engagement in Health Care Survey. Health Care Survey, 18 percent of respondents reported being enrolled in such a plan last year (Figure 1). Enrollment in health plans with high deductibles that were not eligible to be paired with an account was 13 1 Other findings from the survey include: percent in 2021, according to the survey. • Younger people were more likely to enroll in traditional health coverage, while older people were more Figure 1 likely to be in an HDHP or CDHP. Enrollment in Consumer-Driven Health Plans • Men were more likely to enroll in traditional health coverage, while women were more likely to be in an and High-Deductible Health Plans HDHP or CDHP. 40% • People in lower-income households were more likely to enroll in traditional health coverage, while those in higher-income households were more likely to be in an HDHP or CDHP. 34% 35% Consumer-Driven Health Plans • Married individuals were more likely than individuals who were never married to be in an HDHP or 31% High-Deductible Health Plans C 30D %HP. 28% 28% 28% 26% 26% 15% 25% 24% 25% 24% The survey found that enrollees in traditional health plans value low out-of-pocket costs, while HDHP en 13% rollees 23% val ue lower premiums. HDHP enrollees also report being more likely than traditional plan enrollees to make cost- 13% 11% 14% 20% 18% cons cious decisions. 11% 18% 11% 11% 16% 16% 14% 14% 15% 16% More information about the EBRI/Greenwald Research Consumer Engagement in Health Care Survey can be 14% found online. 9% 10% 13% 8% 19% 18% 11% 11% 15% 15% 14% 14% 13% 13% The 2021 C 8% onsumer Engagement in Health Care Survey is an online survey of 2,024 Americans ages 21–64 5% 7% 10% 10% 7% with private health insurance coverage. It was fielded in August and September of 2021. The survey is 5% 3% 4% 3% 1% 1% 0% made possible with funding support from the following organizations: Blue Cross Blue Shield Association, 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Carefirst, HealthEquity, Prudential Financial, Segal, TIAA, UMB Financial, and Voya Financial. 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. The Employee Benefit Research Institute is a private, nonpartisan, nonprofit research institute based in Source: Employee Benefit Research Institute/Greenwald Research, 2008–2021 Consumer Engagement in Health Care Survey & 2005–2007 Washington, DC, that focuses on health, savings, retirement, and economic security issues. EBRI does not lobby EBRI/Commonwealth Fund Consumerism in Health Care Survey. and does not take policy positions. The work of EBRI is made possible by funding from its members and sponsors, which include a broad range of public, private, for-profit and nonprofit organizations. For more However, while nearly one-half of high-deductible health plan (HDHP) enrollees were extremely or very familiar information go to www.ebri.org or connect with us on Twitter or LinkedIn. with consumer-directed health care, only 23 percent of traditional plan enrollees said they were familiar with such coverage (Figure 2). Greenwald Research is a leading independent custom research firm and consulting partner to the health and wealth industries that applies creative quantitative and qualitative methods to help companies stay competitive and navigate 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 1 None of the declines in enrollment between 2020 and 2021 were statistically significant. www.greenwaldresearch.com EBRI’s on Twitter! @EBRI or http://twitter.com/EBRI EBRI blog: https://ebriorg.wordpress.com/ EBRI on Twitter: @EBRI or http://twitter.com/EBRI Blog: https://ebriorg.wordpress.com/ © 2022, Employee Benefit Research Institute, 901 D St. SW, Suite 802, Washington, DC 20024, 202/659-0670 www.ebri.org 2