High-deductible health insurance plans, including high-deductible plans that come with health savings accounts or health reimbursement arrangements, are coming on strong in the commercial group plan market.
Plans that incorporate health savings accounts or health reimbursement arrangements now cover 15.4% of the employees at the 12,316 employers that participated in a survey conducted by United Benefit Advisors, Indianapolis.
Health maintenance organization plans cover just13.6% of the employees at the participating employers, while traditional indemnity plans cover only 0.4% of the employees, according to UBA, a benefits advisory firm consortium.
Preferred provider organization plans now dominate the market, with a 63.9% share.
The average cost increase was 7.3% for all participating plans and 6.3% for the health account plans.
At employers that contributed to employee HRAs, the average employer HRA contribution was $1,310 for a single employee, up from $1,209 in 2008, and $2,502 for a family, up from $2,274.
About 53% of covered employees chose to cover dependents.