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Home / News & IndustryManaged Care Insight and Analysis
Updated: June 2, 2010
Driving To Be Better, Consumer-Driven Health Plans Doing As Designed

Consumer-driven health plan (CDHP) enrollees are more likely than those with traditional coverage to be more involved in maintaining their health.

And just as importantly, these individuals are cost conscious, embracing financial incentives as a means to hold down costs.

That’s the conclusion of The 2009 EBRI/MGA Consumer Engagement in Health Care Survey conducted by the nonpartisan Employee Benefit Research Institute (EBRI).

CDHP enrollees are younger, healthier, more affluent and better educated. Furthermore, the survey found that CDHP enrollees were less satisfied with their health plans than those in traditional health plans.

In 2009, 4 percent of the population was enrolled in a CDHP, up from 3 percent in 2008. Enrollment in high-deductible health plans (HDHPs) was 13 percent in 2009, compared to 11 percent in 2008. The 4 percent of the population with a CDHP represents 5 million adults ages 21-64 with private insurance, while the 13 percent with a HDHP represents 16.2 million people.

The 2009 Consumer Engagement Health Care Survey provides nationally representative data, regarding the growth of CDHPs and HDHPs. Researchers in August 2009 conducted a 14-minute Internet survey, interviewing 4,226 privately insured adults ages 21-64.

Findings from the 2009 survey are compared with findings from previous surveys and can be found in the December 2009 EBRI Issue Brief, available at

CDHPs are designed to promote awareness of cost and quality to individuals to increase informed decisions about their healthcare. Enrollees were more cost conscious than traditional plan members and more likely to take advantage of wellness programs, a health risk assessment or a health promotion program.

Financial incentives were more a factor for CDHP enrollees than for traditional plan enrollees. For example, about 60 percent of CDHP enrollees, and 50 percent of traditional plans enrollees, would change to doctors using health information technology.

Address: Employee Benefit Research Institute, 1100 13th St. NW, Suite 878, Washington DC 20005; (202) 659-0670,

  This article was taken from:
The Executive Report on Managed Care

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