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CCH® BENEFITS — 9/01/09

Enrollment In CDHPs Surpasses Enrollment In HMOs

From Spencer's Benefits Reports: Enrollment in consumer-driven health plans (CDHPs) has surpassed enrollment in HMOs, according to the United Benefit Advisors’ (UBA) 2009 UBA Health Plan Survey. The survey includes information for 17,655 plans from 12,316 employers. UBA, a network of 140 independent employee benefits advisers, said that its survey focuses on reporting results that are applicable to the small and midsize companies that represent the overwhelming majority of the nation’s 5 million-plus employers, with a mix of larger companies in proportion to their prevalence nationally.

CDHPs grew at a rate of 33.9% this past year and now cover more employees (15.4%) than do HMO plans (13.6%).The largest concentration of CDHPs (23%) was in the Northeast region, followed by the North Central region (20.1%).

The average cost increase for all CDHPs at 6.3% was lower than the 7.3% average cost increase for all plan types. The average employer contribution to health reimbursement arrangements (HRAs) that typically accompany participating employees’ CDHPs was $1,310 in 2009 for a single employee (up from $1,209 in 2008, an 8.4% increase) and $2,502 for a family (up from $2,274 in 2008, a 10% increase).

The survey also found the following developments:

The 2009 UBA Health Plan Survey will be available after November 1. For more information, visit http://www.UBAbenefits.com.

For more information on this and related topics, consult the CCH Pension Plan Guide, CCH Employee Benefits Management, and Spencer's Benefits Reports.

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