Individuals in consumer-driven health plans are more likely to exhibit more cost-conscious behaviors as compared to those enrolled in traditional coverage, the Employee Benefit Research Institute finds.
A consumer-driven health plan refers to the combination of a tax-preferred savings or spending account with a high-deductible health plan. These account-based health plans include either a health savings account or a health reimbursement arrangement.
According to EBRI's research, those in CDHPs were more likely to say they had checked whether their plan would cover care; asked for a generic drug instead of a brand name drug; talked to their doctor about treatment options and costs; talked to their doctor about prescription drug options and costs; developed a budget to manage health care expenses; checked a price of service before getting care; and used an online cost-tracking tool.
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