How will the new health care reform law affect the current slow movement toward consumer-directed health plans? Will the economics of the post-reform world encourage employers to offer them? Does it make sense to provide them as an option in state health exchanges? Or are they a thing of the past that will disappear altogether as coordinated care models emerge?
Last year, the prevalence of these plans grew, as 15 percent of employers with 10 to 499 employees offered them, compared to 9 percent a year earlier, according to a survey conducted by the employer consultant Mercer. Among larger employers with over 500 workers, Mercer found that the prevalence of consumer-directed health plans remained constant at 20 percent.
What does the future hold for consumer-directed health plans?