However, The Emplo wh yee Benefit ile nearly Re 6 in searc 10 high h Institu -dedu te is a p ctible health rivate, n pon lan parti (HDHP san, a ) nd enro nonpr llees were ex ofit resea trem rch in ely stitu or v te b ery ase fam d in iliar Washin with con gt sumer on, D-.C., directe that fo d hea cuses on lth care h , ealth, only 34 savin percent gs, ret of ireme tradint tio , an nal d pl econo an enro mic sec llees ur saity id th issues. ey were EBRI d familiar wit oes not lo h sbby uch cov anderage does n (Fig ot tur ake p e 2)ol . icy positions. The work of EBRI is made possible by funding from its members and sponsors, which include a broad range of public and private organizations. For more information, visit Figure 2 March 9, 2023, #456 www.ebri.org. Familiarity With Consumer-Directed Health Care Extremely Familiar Very Familiar Somewhat Familiar Not Very Familiar Not at All Familiar Not Sure Gree nwald Research is a leading independent custom research firm and consulting partner to the health and wea lth industries that applies creative quantitative and qualitative methods to help companies stay competitive Enrollment in High-Deductible Health Plans and navigate industry change. Leveraging deep subject matter expertise and a consultative approach, Greenwald of fers comprehensive services to answer strategic business questions. For more information, go to and Consumer-Driven Health Plans Remains www.greenwaldresearch.com. Steady Traditional Plan — 15% Most 19% Traditional Plan 26% 16% Enroll 19% ees 4% ### 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 after reaching a record high in 2020. According to findings of the Employee Benefit Research Institute (EBRI)/Greenwald Research Consumer Engagement in Health Care Survey, 19 percent of respondents reported being enrolled in such a plan last year (Figure 1). En rollment in health plans with high deductibles that were not eligible to be paired with an account was 12 High-Deductible Health Plan 33% 24% 20% 10% 12% 1% 1 percent in 2022, according to the survey. Figure 1 Enrollment in Consumer-Driven Health Plans 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% and High-Deductible Health Plans Source: Employee Benefit Research Institute and Greenwald Research, 2022 Consumer Engagement in Health Care Survey. 40% Other findings from the survey include: 34% 35% Consumer-Driven Health Plans 31% 32% • Younger people were more likely to enroll in traditional health coverage, while older people were more High-Deductible Health Plans 30% 28% likely to be in an HDHP or CDHP. 28% 28% 26% 26% • Men were more likely to enroll in an HDHP or CDHP, while women were more likely to be in traditional 15% 25% 24% 25% 24% 12% 13% health coverage. 23% • People in lower-income households were more likely to enroll in traditional health co 13% verage, while those 14% 11% 20% 18% 11% in higher-income households were more likely 18% to be in an HDHP or CDHP. 11% 11% 16% 16% • College-educated individuals were more likely than individuals without a college degree to be in an 14% 14% 15% 16% HDHP or CDHP. 14% • Married individuals were more likely than individuals who were never married to be in an HDHP or 9% 10% 13% 8% 19% 19% 18% 11% CDHP. 11% 15% 15% 14% 14% 13% 13% 8% 5% 10% 10% 7% 7% The survey found that enrollees in traditional health plans value low out-of-pocket costs, while HDHP enrollees 5% 4% 3% 3% value lower premiums. 1% 1% 0% 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 More information about the EBRI/Greenwald Research Consumer Engagement in Health Care Survey can be Starting in 2014, HSA-eligibles (with no account) were added to the CDHP group. found onli Sta ne rtin.g in 2019, Dynata’s panel was used for sample. Source: Employee Benefit Research Institute/Greenwald Research, 2008–2022 Consumer Engagement in Health Care Survey & 2005–2007 The 2022 Consumer Engagement in Health Care Survey was an online survey of 2,015 Americans ages 21 – EBRI/Commonwealth Fund Consumerism in Health Care Survey. 64 with private health insurance coverage. It was fielded in October and November of 2022. The survey is made possible with funding support from the following organizations: Blue Cross Blue Shield Association, HealthEquity, Millennium Trust Company, Segal, TIAA, UMB Financial, and Voya Financial. 1 None of the changes in enrollment between 2021 and 2022 were statistically significant. EBRI on Twitter @EBRI or twitter.com/EBRI LinkedIn: linkedin.com/company/employee-benefit-research-institute E EBRI BRI o on n T Tw wi it tt ter: er: @ @E EBRI BRI o or r t tw wi it tt ter.c er.co om m/ /E EBRI BRI L Li in nk ke ed dI In n: : l li in nk ke ed di in n.c .co om/ m/co comp mpa an ny y/ /emp empl lo oy ye ee e- -b ben ene efi fit t- -re res search earch- -i in ns st ti it tu ut te e © 2023, Employee Benefit Research Institute, 901 D St. SW, Suite 802, Washington, DC 20024, 202/659-0670 | ebri.org 2 3