Health insurance consumers may not know as much about what they are buying as employers and benefits brokers assume. Most health insurance enrollees understand premium and deductible options, but not prescription drug copays or maximum out-of-pocket limits, the 2024 Consumer Engagement in Health Care Survey from the Employee Benefit Research Institute and Grenwald Research found.

“Simply, I believe we see, via the new survey results, that health insurance enrollees are taking the minimum time to make their health plan decisions,” said Paul Fronstin, Ph.D., director of health benefits research for EBRI. “More education is needed. While they are definitely taking advantage of new tech opportunities to make informed decisions, they also seem to need additional input from their health care providing team.”

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