Figure 3 More information about the EBRI/Greenwald Research Consumer Engagement in Health Care Survey can be Extent to Which Coverage of Preventive Care for Chronic f ound online. IRS Notice 2019-45 Conditions Impacted Decision to Select Chosen Health Plan (Among High-Deductible Health Plan (HDHP) Enrollees With I The 2022 C RS Notice on 20su 19m -45 a er Engag llows hea emen lth s t in H aviea ngs lth C accou are Sur nt (H vS eA y w )-el asi an o gible he nline altsur h pv lans ey o tf h 2 e ,015 A flexibim lite yr t ica o cove ns age r 14 s 21 – Coverage for Preventive Care for Chronic Conditions) March 23, 2023, #459 50% m 64 w ediica tht pr ions a ivatnd se e hearlv th ice insu s us ranc ed te c o p ove revrent age t.h Ie e t wxa asce firebat ldeid i on of n O c chr tobe oni rc and cond Niove tions mbe prr ior of t 2022 o meet . The s ing the urv pl ey i an s 45% deduc made pos tible si . T ble wi he U.S th f . D und ep ing art suppo ment o rf t Tr fro ea ms t ur he y fiol ssue low d itnh ge gui organ danc izat e on J ions: B uly 1 lue Cro 7, 201 ss9 B , l tue Sh o furthe ielrd A incr ssea oci se a t tih on, e 45% H flex eailb thEqui ility of ty, HMi SA ll -enn eligi ium ble Trus healtth p Com lanp s t any, S o cove ega r sp l, TI eci A fiA c l , U ow MB F -cost p inan rev ci ent al, ive and Vo serviya Fi ces to pr nanc eve ialn . t the 1 exacerbation of chronic conditions on a pre-deductible basis. 40% Pre-Deductible Coverage for Chronic The Employee Benefit Research Institute is a private, nonpartisan, and nonprofit research institute based in 35% Figure 2 Washington, D.C., tha Conditio t focuses on hea ns lth, sa Is vi ng an s, ret Enr irementollme , and econo n mt ic s Ince ecurity i nt ssue ive s. EB RI does not lobby Chronic Disease Management Services in the Expanded Safe Harbor and does not take policy positions. The work of EBRI is made possible by funding from its members and 29% 30% sponsors, which include a broad range of public and private organizations. For more information, visit The Employee Benefit Research Institute (EBRI) and Greenwald Research Consumer Engagement in Health Care 26% Preventive Care Service For Individuals Diagnosed With www.ebri.org. Survey found that 37 percent of high-deductible health plan (HDHP) enrollees report that their health plan covers 25% Congestive heart failure, diabetes, and/or coronary artery Angiotensin-converting enzyme (ACE) inhibitors preventive care for at least one of 14 services as allowed under IRS Notice 2019-45 before the deductible is met disease 20% Greenwald Research is a leading independent custom research firm and consulting partner to the health and (Figure 1). Antiresorptive therapy Osteoporosis and/or osteopenia wealth industries that applies creative quantitative and qualitative methods to help companies stay competitive Beta blockers Congestive heart failure and/or coronary artery disease 15% and navigate industry change. Leveraging deep subject matter expertise and a consultative approach, Greenwald Blood pressure monitor Hypertension offers comprehensive services to answer strategic business questions. For more information, go to Inhaled corticosteroids Asthma 10% www.greenwaldresearch.com Insulin and other glucose-lowering agents Diabetes 5% Retinopathy screening Diabetes Peak flow meter ### A sthma Figure 1 0% Glucometer Diabetes Health Plan Covers Preventive Care for Certain Chronic A Great Extent A Minor Extent Played No Role in My Choice Hemoglobin A1c testing Diabetes Conditions Before Reaching Deductible Source: EBRI/Greenwald Research Consumer Engagement in Health Care Survey, 2022. International normalized ratio (INR) testing Liver disease and/or bleeding disorders (Among HDHP Enrollees) Low-density lipoprotein (LDL) testing Heart disease Selective serotonin reuptake inhibitors (SSRIs) Depression Figure 4 Statins Heart disease and/or diabetes Likelihood of Selecting High-Deductible Health Plan (HDHP) Source: https://vbidcenter.org/initiatives/hsa-high-deductible-health-plans-2/ If It Covered Preventive Care for Chronic Conditions Before Deductible Was Reached Not Sure, 38% With IRS Notice 2019-45 in place, all HSA-eligible health plans are now able to adopt a more flexible 45% (Among Traditional Plan Enrollees) Yes, 37% benefit design offering more protection for certain medical services through a value-based insurance design (V-BID) plan structure. 39% 40% 36% 35% 30% 25% Among HDHP enrollees with coverage for preventive care for chronic conditions prior to meeting the plan 25% deductible, a significant number reported that it impacted their decision to choose the HDHP. Nearly one-half (45 percent) reported that coverage for preventive care for chronic conditions impacted their decision to select the 20% HDHP to a great extent, while another one-quarter (26 percent) reported that it impacted their decision to a minor ext ent (Figure 3). 15% No, 25% 10% Among traditional plan enrollees, there is notable interest in HDHPs that cover preventive care for chronic condi tions before the deductible was reached. One-quarter reported that they would be extremely or very likely to Source: EBRI/Greenwald Research Consumer Engagement in Health Care Survey, 2022. 5% select an HDHP if it covered preventive services for chronic conditions. Another 39 percent reported that they are somewhat likely to choose such a plan (Figure 4). 0% Extremely or Very Likely Somewhat Likely Not Too or Not at All Likely Source: EBRI/Greenwald Research Consumer Engagement in Health Care Survey, 2022. 1 See https://www.irs.gov/pub/irs-drop/n-19-45.pdf. EBRI on Twitter @EBRI or twitter.com/EBRI LinkedIn: linkedin.com/company/employee-benefit-research-institute E E EB B BR R RI I I on on on T T Twitt witt witte e er r r: : : @ @ @E E EB B BR R RI I I o o or r r twit twit twitte te ter r r...c c com/ om/ om/E E EB B BR R RI I I L L LinkedI inkedI inkedIn: n: n: li li linke nke nkedin. din. din.c c com om om/compa /compa /company ny ny/e /e /empl mpl mploye oye oyee e e- - -be be bene ne nef f fit it it- - -r r re e es s se e ea a ar r rc c ch h h- - -ins ins insti ti titu tu tute te te © 2023, Employee Benefit Research Institute, 901 D St. SW, Suite 802, Washington, DC 20024, 202/659-0670 | ebri.org 3 2 4