WASHINGTON Consumer-directed health plans are popular with companies despite being less so among workers, according to results of a biennial national survey.
"Employers and health plans continue to be … quite optimistic about the future for these plans despite the fact that to this point enrollment growth has been possibly slower than expected," said Jon Christianson, Ph.D., at a conference sponsored by the Center for Studying Health System Change (HSC).
In an interview-based survey conducted in 12 communities across the country, researchers found cost-sharing arrangements are still popular, though growth in the level of cost sharing is levelling off. In most cases, health care spending is rising at a slower rate than 4 years ago, so there is less pressure to share the pain. Some employers also report they've pushed cost sharing as far as they can.
"We were told by some employersnot a large number, but some employersthat they felt that they had moved deductibles up to the point … where any further increases they could contemplate probably wouldn't have much of an impact on utilization and in changing people's decision making," said Dr. Christianson, professor of health policy and management at the University of Minnesota, Minneapolis.
However, employers increasingly are encouraging their workers to make lifestyle changes that will improve their health and reduce their need for medical services. Companies also are urging insurers to provide price information so workers can make informed health care decisions.
However, "There's still very little evidence on return on investment" on health promotion and cost transparency, said Debra Draper, Ph.D., associate director at HSC. "Employers really believe that these are the right things to do for their employees. And for some employers, setting up these types of tools is … an interim step toward implementing tools like consumer-directed health plans."
Insurers simply respond to market demand, said Karen Ignagni, president and CEO of America's Health Insurance Plans, an industry trade group.
"Our job is to be agnostic about what people purchase. Our job is to offer a portfolio of products so that we can be nimble enough to give purchasers the alternatives that they want and consumers the alternatives they want," she said at the conference.
All parties want lower premiums. To get there, health plans are developing strategies to penalize individuals who fail to manage their chronic conditions and rewarding those who maintain good health, Ms. Ignagni said.
"The good news is that health insurance premium growth has slowed for the fourth consecutive year. That is a very significant accomplishment," she said. "And the reason for that is that we've been looking very carefully on plan data on disease management and on care coordination. We can see that plans are now documenting reduced [emergency department] visits and days per thousand in the hospital."