data trend

If the proposed Affordable Health Care Act (AHCA) bill becomes law, high-deductibles are expected to increase in popularity. “Republicans love HSAs,” said John Barlament at a recent Alliance Learning Circle event titled ACA Uncertainty.

Yet many health plan enrollees lack a good understanding of how high-deductible health plans (HDHPs) actually work.

An Abbvie white paper titled High Deductibles = High Risks? contains key considerations for employers and their employees about utilizing services in HDHPs.

Key Highlights:

  • Member health care costs are rising, fueled in part by increasing deductibles.
  • The percentage of members in high-deductible health plans has increased considerably.
  • People may not fully understand how their health coverage and deductibles work.
    • The majority of HDHP members are also not sure how to optimize their health savings accounts (HSAs).
  • HDHP members may not be getting the care they need.
    • Low health literacy may compound this behavior.
  • High-wage HDHP members delay or forgo needed care.
  • HDHPs can discourage utilization, for members with chronic conditions, even for preventive care.

Download the white paper here.

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