ValuePoint: Consumerism

Consumerism takes a number of shapes - High Deductible Health Plans, Health Savings Accounts, etc. - but its end result is the same. Consumers are taking on an increasing financial responsibility for their healthcare purchases whether through changes in their employer sponsored coverage, a drop in that coverage altogether, or combinations. Here are some predictions that healthcare experts are making.

"High deductible health plans will be offered by 38% of employers by 2006."

Forrester Research
2005 Benefits Strategy & Technology Study
Employee Benefit News, September 15, 2005

"More than 60% of working Americans without health coverage are not offered a health plan benefit by their employers."

Collins, Davis, et. al., The Commonwealth Fund
Inquiry, Spring 2005

"One-third of the uninsured have annual incomes of $50,000 or more and choose not to be insured."

Leonard Schaeffer, Chairman, WellPoint
Managed Care, September 2005

"14% of employers with 200 or fewer employees offer those employees incentives to opt out of health plans."

2005 Basic Medical Coverage Survey
Salary.com

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