clarified that experts had not yet reached a verdict on the risks of mobile phone, but that enough research suggests using cell phones too much may impact a person's health.
While there is no consensus on the precise definition of a CDHP
, these plans are often associated with three features: a relatively high deductible, a personal spending account, and the availability of information tools for enrollees.
Among the 13% of CDHP
participants, almost a quarter were eligible for an HSA but hadn't opened one.
The percentage of participants with HDHP coverage held steady at 11 percent, but the percentage with CDHP
coverage fell to 13 percent, from 15 percent in 2014.
In 2013, 44 percent of traditional-plan participants were extremely or very satisfied with out-of-pocket costs (for health care services other than for prescription drugs), while 31 percent of CDHP
participants were extremely or very satisfied.
Traditional plan enrollees were more likely to be satisfied with their overall plan than CDHP
To the best of our knowledge, only one paper from the prior literature analyzed selection in HRA and HSA CDHP
plans separately (Parente, Feldman, and Christianson 2013).
According to Ana Sabatino, regional segment vice president, consumer solutions, at Cigna, CDHP
models can be a win-win for employers and employees when implemented correctly, and they are growing in popularity throughout the business community.
But the CDHP
is intractable with technologies to date and thus such impersonator does not exist.
The greatest savings of a PPO over a CDHP
was achieved with a deductible of $2,000-$2,999, where PPO cost per employee was $7,811 and CDHP
was $8,859, a savings of $1,000 per employee.
The Aon survey shows that 34% of companies offer a CDHP
with a health savings account (HSA), 18% provide a CDHP
with a health reimbursement account (HRA), and 6% offer a CDHP
without a company-sponsored savings account.
23) Similarly, in 2005, Forrester Research predicted that CDHP
enrollment could account for 19% of the market in 2009 and 24% by 2010 (or about 42 million people).