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Life Health > Health Insurance

The Catch: HSA Haves and Have Nots

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Workers with self-only group plan coverage and workers from high-income households are contributing more to their personal health accounts; workers with family coverage and low-income workers are not.

Paul Fronstin, an analyst at the Employee Benefit Research Institute (EBRI), Washington, has reported that finding in a summary of a review of health savings account (HSA) and health reimbursement arrangement (HRA) coverage from 2006 through 2011.

About two-thirds of workers with personal health accounts say their employers provide health account contributions, and that percentage has held steady since 2006, Fronstin says.

But employer contribution levels fell in 2009 and again 2011, as the recession swept in, Fronstin reports.

In 2011, only 24% of the workers said their employers had contributed $1,000 or more to their health accounts, down from 26% in 2008.

SOME DOCTORS HATE ELECTRONIC HEALTH RECORD SYSTEMS

The government is using financial incentives to try to get more doctors and other health care providers to adopt electronic health record (EHR) systems.

But IVANS Inc., Stamford, Conn., a health information exchange organization, says 39% of providers have no plans to make what the government considers to be “meaningful use” of EHR systems.

IVANS has based those statistics on results from an online survey of about 700 U.S. health care providers.

About 42% of the survey participants are already using EHR systems.

To meet the federal “Stage 1 meaningful use” standard, a provider must be able share and use the data in what the government defines as being a meaningful manner. Medicare providers that don’t meet the standard may get lower Medicare reimbursement rates.

When IVANS looked at the providers that have no plans for making meaningful use of EHR systems, it found that 44% are providers that are not yet subject to the Medicare EHR standards program.

Many types of providers, such as home care providers, long-term care (LTC) providers and hospice organizations, are not yet eligible to participate in the Medicare EHR incentive program, IVANS says.

But IVANS also found that 26% of the EHR-shunning providers are already eligible for EHR incentives.

Many EHR-shunning providers say existing EHR systems don’t fit into their workflow, that the EHR standards are too complicated and changing too rapidly, or that they can’t afford to buy and set up EHR systems, IVANS says.


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