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Consumer-Driven Health Plans: Employer Take-Up and Average Contributions

Western Kentucky University, Bowling Green, KY, justin.cress{at}wku.edu

In an era of rising health care costs, employers seek cost reduction strategies, with many relying on consumer-driven health plans (CDHP). Utilizing data from a nationally representative survey of firms, this article explores employer experiences with CDHP in two areas. First, it describes those firms most likely to offer CDHP. Second, it estimates potential cost reductions from an emphasis on CDHP. Results indicate that large, nonunion employers offer CDHP most often. Furthermore, an emphasis on CDHP plans is not associated with a reduction in average contributions to insurance policies.

Key Words: consumer-driven health plan • health savings account • health reimbursement arrangement • take-up • contributions

This version was published on November 1, 2009

Compensation & Benefits Review, Vol. 41, No. 6, 55-61 (2009)
DOI: 10.1177/0886368709346685


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