By Susan Kreimer, Medical Economics
‘A new scenario’
February 04, 2015 – In many cases, high-deductible health plans are paired with tax-free individual health savings accounts (HSAs) or employer-sponsored health reimbursement arrangements (HRAs). When a high-deductible plan accompanies one of these options or some other type of tax-free savings account, the result is described as a “consumer-directed health plan.” In 2014, 48% of companies offered a consumer-directed health plan, up from 39% in 2013, according to Mercer benefits consulting firm’s national survey of employers. Enrollment in these plans increased to 23% of covered employees in 2014 from 18% the previous year. Average in-network deductibles were $2,500 for an individual worker or $5,000 for a family plan.