Enrollment in Consumer-Directed Health Plans (CDHPs) grew by 22 percent in 2010, up from 23 million in 2009 to 28 million last year according to an analysis of the Mercer National Survey of Employer Sponsored Health Plans commissioned by the American Association of Preferred Provider Organizations (AAPPO).
While PPO enrollment has remained steady at 69 percent since 2008, CDHPs, which provide consumers more control over the cost of their health care, were the only type of plan to show enrollment growth, from 7 in 2008 to 11 percent in 2010. This trend corresponds with a slight, but steady decline in HMOs over that same period.
“Last year’s continued economic slowdown combined with the rising cost of health care forced employers of all sizes to seek innovative ways to reduce what they spend to cover their employees. Given the cost savings inherent in the consumer-directed model, it’s clear that employers — especially our largest ones — are increasingly looking to CDHPs to do that,” said Karen Greenrose, AAPPO President and CEO. “In today’s tough environment, CDHPs — which are predominantly built on PPO networks — offer the affordability, choice and access that employers and consumers alike are looking for.”
“From the numbers that have been released, it is apparent that the CDHPS are filling both a need and a void in the marketplace,” said Tennessee Representative and House Energy and Commerce Health Subcommittee Member Marsha Blackburn. “Consumers want greater control over their healthcare decisions and they want it at a more affordable and manageable cost.”
Among the other key findings in the report released today by AAPPO is that, while employers of all sizes increased their CDHP offerings, very large employers — or companies with more than 20,000 employees — were the major driver of the rise in CDHP offerings in 2010. 51 percent of the nation’s largest companies offered their employees a CDHP model compared with just 43 percent in 2009. Then, small employers (10 – 499 employees) led the charge with a jump from nine to 15 percent.
Further, employers of all sizes surveyed expect to increase their CDHP offerings in the future, pointing to the likelihood that this trend of growth will continue in the years to come.
Of the 254 million Americans that the U.S. Census Bureau estimates have private or government health insurance, 203 million were enrolled in PPO-based plans, including point-of-service and consumer-driven plans. HMO enrollees represented the remaining 51 million (or 19 percent).
But 400 BILLION to 1 TRILLION on unconstitutional health care is ok?
Prescription Drug Benefit.
The final version (conference report) of H.R. 1 would create a prescription drug benefit for Medicare recipients. Beginning in 2006, prescription coverage would be available to seniors through private insurers for a monthly premium estimated at $35. There would be a $250 annual deductible, then 75 percent of drug costs up to $2,250 would be reimbursed. Drug costs greater than $2,250 would not be covered until out-of pocket expenses exceeded $3,600, after which 95 percent of drug costs would be reimbursed. Low-income recipients would receive more subsidies than other seniors by paying lower premiums, having smaller deductibles, and making lower co-payments for each prescription. The total cost of the new prescription drug benefit would be limited to the $400 billion that Congress had budgeted earlier this year for the first 10 years of this new entitlement program. The House adopted the conference report on H.R. 1 on November 22, 2003 by a vote of 220 to 215 (Roll Call 669).
Marsha Blackburn Voted FOR this bill.
Marsha Blackburn is a Hypocrite.
Marsha Blackburn is my Congressman
See her unconstitutional votes at :
http://mickeywhite.blogspot.com/2009/09/tn-congre...
Mickey
But 400 BILLION to 1 TRILLION on unconstitutional health care is ok?
Prescription Drug Benefit.
The final version (conference report) of H.R. 1 would create a prescription drug benefit for Medicare recipients. Beginning in 2006, prescription coverage would be available to seniors through private insurers for a monthly premium estimated at $35. There would be a $250 annual deductible, then 75 percent of drug costs up to $2,250 would be reimbursed. Drug costs greater than $2,250 would not be covered until out-of pocket expenses exceeded $3,600, after which 95 percent of drug costs would be reimbursed. Low-income recipients would receive more subsidies than other seniors by paying lower premiums, having smaller deductibles, and making lower co-payments for each prescription. The total cost of the new prescription drug benefit would be limited to the $400 billion that Congress had budgeted earlier this year for the first 10 years of this new entitlement program. The House adopted the conference report on H.R. 1 on November 22, 2003 by a vote of 220 to 215 (Roll Call 669).
Marsha Blackburn Voted FOR this bill.
Marsha Blackburn is a Hypocrite.
Marsha Blackburn is my Congressman
See her unconstitutional votes at :
http://mickeywhite.blogspot.com/2009/09/tn-congre…
Mickey
Mickey,
That bill was passed in 2003 under George Bush's agenda in conjunction with the insurance company and insurance lobbies with no way of funding the bill.