Consumer-directed health plans (CDHP) may be all the rage in the future, but they’re slow to catch on so far.
A new survey shows that people with employer-sponsored health coverage are much more apt to choose traditional plans over CDHPs. Those plans, such as health savings accounts, combine high deductibles with tax-advantaged savings accounts.
When organizations offered employees a choice of plans in one sampling of preferences, 55 percent opted for a PPO and 40 percent selected an HMO in preference to a CDHP. In another sampling, only 19 percent chose a consumer-driven plan, according to the survey of 2,122 employers by the Center for Studying Health System Change.