A new study has found that people enrolled in high-deductible health plans (HDHPs) are more likely to consider costs and quality when considering non-emergency care.
The 14th annual "Consumer Engagement in Health Care" study by the Employee Benefits Research Institute and market research firm Greenwald & Associates surveyed 2,100 adults, most of whom receive health coverage via their employers.
The survey found that people enrolled in health plans with a deductible of at least $1,350 for self only, and $2,700 for families, were more likely to take costs into account when making health care decisions.
Evidence of cost-conscious behavior:
That said, the study did find some negative behavior among HDHP enrollees as well, including that 30% of HDHP enrollees said they had delayed health care in the past year because of costs, compared to 18% of traditional plan participants.
What you can do
In order to help HDHP enrollees get the most out of their plans, it's recommended that employers also offer health savings accounts.
HSAs can help employees pay for services that are not covered until they meet their deductible. Employers can help by matching (fully or in part) employees' HSA contributions. This encourages them to participate.
Employers should also provide education about preventive care. The Affordable Care Act requires all plans to cover a set of preventive care services outside of the plan deductible. Unfortunately, many people don't know that these services must be covered by insurance with no out-of-pocket expenses for the enrollees.
Non-enrollment in HSAs
These are the reasons employees cite for not enrolling in their company's HSA:
The key to getting employees to take advantage of the tax-savings feature of HSAs is by providing education that helps them understand how HSAs work.