New to HR? Templates, tools and development to make you a seasoned pro in no time.
Shawn Premer shows how doing the right thing for employees leads to positive business results.
Is your employee handbook keeping up with the changing world of work? With SHRM's Employee Handbook Builder get peace of mind that your handbook is up-to-date.
Build competencies, establish credibility and advance your career—while earning PDCs—at SHRM Seminars in 12 cities across the U.S. this spring.
#SHRM18 will expand your perspective – on your organization, on your career, and on the way you approach HR. Join us in Chicago June 17-20, 2018
Members may download one copy of our sample forms and templates for your personal use within your organization. Please note that all such forms and policies should be reviewed by your legal counsel for compliance with applicable law, and should be modified to suit your organization’s culture, industry, and practices. Neither members nor non-members may reproduce such samples in any other way (e.g., to republish in a book or use for a commercial purpose) without SHRM’s permission. To request permission for specific items, click on the “reuse permissions” button on the page where you find the item.
Concerning Americans' overall satisfaction with employer-provided health coverage, traditional-plan enrollees were more likely than consumer-directed health plan (CDHP) enrollees to be extremely or very satisfied with the overall plan. However, satisfaction levels have been trending up among CDHP enrollees, and trending down among traditional-plan enrollees, according to a new report by the nonprofit Employee Benefit Research Institute (EBRI).
In particular, satisfaction rates for out-of-pocket costs appear to be trending downward among those with traditional coverage and upward for those with consumer-driven plans, according to surveys conducted annually by EBRI and Matthew Greenwald and Associates.
CDHPs typically combine high-deductible health plans (HDHPs) with a tax-exempt health savings account (HSA) or health reimbursement arrangement (HRA) to help enrollees pay for out-of-pocket expenses. (See the
SHRM Online article "Consumer-Driven Decision: Weighing HSAs vs. HRAs.")
A growing number of U.S. employers have adopted CDHPs over the past decade to provide employees with incentives to make cost-conscious decisions when selecting health care services and to limit unnecessary health care spending.
In EBRI's 2011 survey, individuals with a CDHP had deductibles of at least $1,000 for individual coverage or $2,000 for family coverage in addition to an HSA or HRA they could use to pay for medical expenses. The report was published in the August 2012
EBRI Notes, “Satisfaction with Health Coverage and Care: Findings from the 2011 EBRI/MGA Consumer Engagement in Health Care Survey.”
Key findings included the following:
Despite rising satisfaction levels with CDHPs, EBRI noted that CDHP enrollees remained less likely than those in traditional plans to recommend their health plan and to indicate a desire to stay with their current plan if given an opportunity to switch. While their experience with high-deductible plans combined with tax-advantaged spending accounts may be proving better than they expected, if given the option many still would prefer lower deductibles with the same or better coverage.
is an online editor/manager for SHRM.
Related SHRM Articles:
Related SHRM Videos:
SHRM Online Benefits Discipline
Health Care Reform Resource Page
• Sign up for SHRM’s free
Compensation & Benefits e-newsletter
You have successfully saved this page as a bookmark.
Please confirm that you want to proceed with deleting bookmark.
You have successfully removed bookmark.
Please log in as a SHRM member before saving bookmarks.
Please sign in as a SHRM member before saving bookmarks.
Please purchase a SHRM membership before saving bookmarks.
An error has occurred
Recommended for you
Talent Attraction Study: What Matters to the Modern Candidate
SHRM Annual Conference & Exposition
SHRM’s HR Vendor Directory contains over 3,200 companies