About 31% of large and midsize employers now offer health savings account or health reimbursement arrangement programs.

Wells Fargo Insurance Services USA Inc., Chicago, a unit of Wells Fargo & Company, San Francisco (NYSE:WFC), has published that figure in a summary of results from a recent survey of about 320 U.S. employers.

The percentage of participating employers with health plans incorporating personal health account options has increased from 24% in 2009, according to Wells Fargo.

About 8% of the participant employers said they do not have health account plan options today but intend to add them in 2011.

Wells Fargo also found that 26% of the employers were pillars of health benefits stability: They reported making no changes in plan design, funding, insurance carrier, plan offerings or contribution percentage this year.

About 71% made no changes in their prescription plans, and 97% made no reductions in dental benefits.

But 46% of the employers have made plans designs less generous, and 41% have increased the percentage of plan costs that employees pay through payroll deductions.