Enrollment in consumer-driven health plans was up slightly last year, but the plans still barely make a dent in the overall insurance market, according to a third-annual report by the Employee Benefit Research Institute and the Commonwealth Fund.
Two percent of privately insured adults had a consumer-driven plan with a tax-advantaged account in 2007, compared with 1% the previous year. Enrollment in high-deductible health plans made up 11% of privately insured adults, up from 7% the year before, according to the report.
As in other studies, the groups found that people with higher annual incomesabove $100,000were more likely to choose consumer-driven plans, and were also more likely to be white, male and in good health. The percentage of enrollees with high incomes grew to 31% in 2007, up from 22% in 2005. By contrast, the percentage of enrollees with annual household incomes under $50,000 dropped over the two-year period, from 33% in 2005 to 19% last year. -- by Rebecca Vesely