Survey finds number of employers contributing to CDHPs dropped in 2009
Contributions by employers to “consumer-driven” health plans (CDHPs) are shifting. Of approximately four percent of covered American workers, those with employee-only coverage have seen their annual employer contributions decrease, while those with family coverage have seen their annual employer contributions increase, according to a new survey released by the nonpartisan Employee Benefit Research Institute (EBRI).
The percentage of employers making contributions to a Health Reimbursement Account (HRA) or Health Savings Account (HSA) dropped from 67 percent in 2008 to 63 percent in 2009, according to the EBRI report. Yet the percentage of workers with these types of plans whose employer contributes to the account has not changed statistically since 2006.
In 2009, four percent of the adult population with private health insurance was enrolled in an HRA or had a high-deductible plan with an HSA, up one percentage point from the previous year. An additional 4.9 percent were eligible for an HSA but did not have such an account.
Both the amount of money that individuals have accumulated in their accounts and the amounts rolled over from year to year have grown: Those reporting a rollover of $1,500 or more increased from 13 percent in 2006 to 31 percent in 2009.
Although the percentage of individuals reporting that they had nothing in their account at the time of the survey declined from 14 percent in 2006 to six percent in 2009, the amount of money that individuals have accumulated in their accounts has grown over time.
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