August 25, 2006

What Roadblocks Hinder Employer Adoption Of Consumer-Directed Health Plans?

Eight Hundred Benefits Administrators Weigh In On Why They Avoid CDH

by Lynne "Sam" Bishop

with Ellen Daley, Will McEnroe, Heidi Lo

Executive Summary (This is a document excerpt)

Consumer-directed health (CDH) plans are becoming a standard part of most health insurers' product portfolios, but nearly half of benefits administrators surveyed in Forrester's recent study of more than 800 employers have no intentions of offering their workforce one. Why not? Benefits executives cite concerns over employees' health empowerment, the complexity of CDH benefits management, and skepticism about the level of savings CDH plans deliver as the top inhibitors. To effectively convert these CDH holdouts, health-plan-product marketers must identify the segment of employer prospects most likely to buy into the CDH movement — large companies — then focus their efforts with tailored materials that demonstrate both the return on investment (ROI) of CDH plans and a commitment to providing member decision support.

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