While health savings accounts and consumer driven health plans demonstrably give consumers more control over their use of health insurance dollars, they may also encourage decisions about health care that could be detrimental to consumers' long-term health.
A study of 18,000 employees with a company that switched from a traditional health plan to a CDHP/HSA model found that plan members weren't taking advantage of preventative health options, and instead postponing some medical care.
The study comes from the Employee Benefit Research Institute. It reviewed use data from the plan members over five years — the first year was prior to the switch to the CDHP/HSA model. Data was contrasted with that derived from a control group coverage group of more than 82,000 members insured via a traditional PPO.
Recommended For You
Complete your profile to continue reading and get FREE access to BenefitsPRO, part of your ALM digital membership.
Your access to unlimited BenefitsPRO content isn’t changing.
Once you are an ALM digital member, you’ll receive:
- Breaking benefits news and analysis, on-site and via our newsletters and custom alerts
- Educational webcasts, white papers, and ebooks from industry thought leaders
- Critical converage of the property casualty insurance and financial advisory markets on our other ALM sites, PropertyCasualty360 and ThinkAdvisor
Already have an account? Sign In Now
© 2025 ALM Global, LLC, All Rights Reserved. Request academic re-use from www.copyright.com. All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.
Dan Cook
Dan Cook is a journalist and communications consultant based in Portland, OR. During his journalism career he has been a reporter and editor for a variety of media companies, including American Lawyer Media, BusinessWeek, Newhouse Newspapers, Knight-Ridder, Time Inc., and Reuters. He specializes in health care and insurance related coverage for BenefitsPRO.
