Consumers With High-Deductible Health Insurance Plans More Likely To Forego Care Because of Cost
Health Insurane Survey
People enrolled in consumer-directed health insurance plans do not appear to be as satisfied with their coverage and are more likely to delay or forego care than members of traditional health plans, according to a study released Thursday by the Employee Benefits Research Institute, the Hartford Courant reports. The study is based on responses from 1,204 people between ages 21 and 64 to an online questionnaire. Participants had either employer-sponsored or individual insurance (Levick, Hartford Courant, 12/9).
According to the survey, 1% of privately insured U.S. residents are enrolled in a consumer-directed health insurance plan, while 9% are enrolled in a high-deductible plan (Snowbeck, Pittsburgh Post-Gazette, 12/9). The survey finds that 42% of those in consumer-directed plans, a high deductible plan combined with a savings account for health expenses, and 33% who were enrolled in just high-deductible health insurance plans are "very" or "extremely" satisfied with their plan. By comparison, 63% of those in traditional plans said the same.
The survey found that about half of members in consumer-directed or high-deductible health insurance