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Why Employers Care

Consumerism encourages employees to take a more active role in their health care by using innovative plan design and offering tools and resources. Similar to other consumer ideals, providing information on cost and quality of services will allow employees to make informed decisions, resulting in better health, a sense of empowerment, and reduced cost.

Consumer-directed health care (CDHC) often reinforced this philosophy with a health benefits design that allows employees to have greater control, choice, and flexibility with their care. This benefit design is typically a high-deductible health plan with a health savings account.

What Can Employers Do?

Consumerism and consumer-directed health care require careful consideration, communication, and support for employees. According to the 18th Annual NBGH/Towers Watson Survey, a majority (66%) of employers offer at least one CDHP to their employees; of that, 14.5% have gone full replacement. However, some struggle in meeting enrollment goals and achieving true consumerism behavior in employees. To learn about the experiences of seven companies that were highly successful promoting consumerism, please access the Top Solutions titled: Your CDHP Toolbox: Taking Enrollment to the Next Level.

Employers looking to move to only offering a consumer-directed health plan should allow ample time for the planning, communication and implementation of a full-replacement CDHP. The publication titled The Time is Now: Moving to Full Replacement Consumer-Directed Health Plans provides guidance to large employers considering this strategy.

Relevant Tools and Resources Include:

Page last updated: June 19, 2013

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