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High deductible health plan participants: skeptical but savvy

2018 Consumer Health Mindset® Study

High deductible health plan participants are skeptical but savvy. Check out our latest HDHP infographic to see what participants are saying.


"This plan shows me a more realistic picture of health insurance."

View medical benefits as the same or better than other employers:

78%
consumers in an HDHP
vs.
90%
consumers in other plans

Even so, 9 in 10 expect to re-enroll in the same health plan next year. But, they continue to report lower plan satisfaction:

58%
consumers in an HDHP (2014: 57%)
vs.
78%
consumers in other plans (2014: 75%)

Overall, HDHP participants are less likely to agree on positive impact of employer health and wellness programs:

Consumers in other plans Consumers in an HDHP

“My employer only does what will save money”

28% 33%

“Business decisions do not take employee health into account”

28% 38%

"My plan has forced me to take the reins on my health care."

66% of consumers in an HDHP feel in control of their personal health vs. 61% of consumers in other plans

“I’m doing all I can to promote and maintain my health” (among HDHP)

55%

2014

59%

2018
(+4 points)

“Living a truly healthy life requires more time, attention and/or money than I’m willing to spend” (among HDHP)

34%
2016
29%
2017
25%
2018

HDHP participants would seek alternatives if they have not met their deductible for the year:

68%

search for medical services or medication costs

71%

question the cost of recommended service or seek less expensive options

71%

choose an over-the-counter drug


“I understand my health plan, but still need help understanding costs.”

Answered at least 9 out of 10 health insurance questions correctly:

32%
consumers in an HDHP
vs.
22%
consumers in other plans

I know where to go to find the information I need:

Consumers in other plans Consumers in an HDHP

“My employer only does what will save money”

50% 45%

“Business decisions do not take employee health into account”

47% 42%

3 in 4 HDHP participants with moderate to high health care usage:

  • Would use a service that reviewed EOBs and makes health care appeals

  • Would use a service that talks through their questions or concerns

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