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Enrollment in consumer-driven health insurance plans grows
By Insure.com staff

Enrollment in employer-sponsored health insurance plans that give consumers more control over their health care costs rose 19 percent last year over 2011, according to an study commissioned by the American Association of Preferred Provider Organizations.

Consumer-directed health plans include plans that are accompanied by health savings accounts, health reimbursement arrangements and flexible spending accounts. The accounts give consumers the ability to save money toward out-of-pocket health expenses, including deductibles.

Among the survey's findings:

  • 36 percent of employers with 500 of more employees offered consumer-directed health plans in 2012, up from 32 percent in 2011.
  • 22 percent of employers with fewer than 500 workers offered employees a consumer-directed health plan option, up from 20 percent in 2011.
  • 59 percent of the nation's largest employers, those with 20,000 or more workers, offered consumer-directed health plans, up from 48 percent the year before.
Meanwhile, 16 percent of employees with employer-sponsored plans chose consumer-directed health plans last year, and 40 percent of employers of all sizes expect to offer a consumer-directed health plan in the next five years, according to the survey.

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