Consumer-driven health care programs are starting to get the attention of agents and brokers.[@@]
The National Association of Health Underwriters, Arlington, Va., and ChapterHouse, Lisle, Ill., a health care consulting firm, today released a report on the CDHC market based on a survey of health agents and brokers.
The percentage of survey participants who say they see CDHC plans as a possible solution for rising health coverage costs has increased to 77% this year. A year ago, only 12% of agents and brokers surveyed said they were actively recommending CDHC solutions to their clients, according to NAHU Executive Vice President Kevin Corcoran.
Michael Main, a managing partner at ChapterHouse, said about 5% of employers now offer CDHC plans as their only health plan or let employees choose between CDHC plans and other types of plans.
“This study clearly shows that the health care market is still moving at an incremental pace, but in the direction of consumerism,” Corcoran said. “The most radical shifts in plan design are coming from the inclusion of personal savings accounts, but within the familiar [preferred provider organization] structure.”
Corcoran said he thinks the study offers unique insights because it draws on the views of agents and brokers. By speaking with those who helped in the decision-making process, “we can find out not only what companies purchased, but the second and third choice as well,” Corcoran said.