This includes placing a greater emphasis on available account-based health plans
such as HSAs (health savings accounts) and HRAs (health reimbursement arrangements) to help employees buffer themselves from short-term expenses and prepare them for future financial obligations.
UnitedHealth is building account-based health plan
capabilities for employers of all sizes in part because of strong demand from the ordinary benefits broker, Penshorn says.
These plans also can be called consumer-directed health plans or account-based health plans
Increase offering of account-based health plans
(ABHP) (17% intend to add this plan design in 2013 or 2014, which would result in nearly three in four (74%) employers offering an ABHP)
Nationwide Better Health, a unit of Nationwide Mutual Insurance Company, Columbus, Ohio, recently announced plans to add new voluntary, worksite products aimed at workers who are moving into HSA plans and other account-based health plans
This doesn't necessarily predict a stampede toward consumer-directed or account-based health plans
The sample included 1,242 people who had account-based health plans
-- high-deductible coverage with health savings accounts (HSAs) or health reimbursement arrangements (HRAs).