Impact of Consumer-Directed Health Plans
Consumer-directed health plans are one of the fastest-growing benefit options for U.S. employees. A CDHP is a high-deductible preferred provider organization that is combined with either a health reimbursement arrangement or health savings account. Fund contributions are made by plan members or sponsors annually; unused amounts are typically carried over to the next plan year. Participants are encouraged to use decision-support tools to make more informed healthcare decisions and efficiently manage their fund. Truven Health Analytics conducted a study to provide employer and health plan decision-makers, and others in the healthcare industry, with key insights on the effectiveness of CDHPs in terms of multiyear cost, care, and utilization changes.
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