April 27, 2012 (PLANSPONSOR.com) - Those enrolled in consumer-driven health plans (CDHPs) tend to have higher incomes and educational levels and report better health behavior than do those in traditional health plans.
A report from the Employee Benefit Research Institute (EBRI) report examines the population enrolled in a CDHP and how it differs from the population with traditional health coverage and found CDHP enrollees were about twice as likely as individuals with traditional coverage to have a college or post-graduate education. In 2011, 24% of CDHP enrollees had a graduate degree, and 48% had a college degree, compared with 12% and 24%, respectively, of traditional plan enrollees.
In six out of seven years of the survey, it was found that CDHP enrollees were more likely than traditional-plan enrollees to report excellent or very good health. CDHP enrollees were less likely to report that they smoke or did not exercise regularly, though it cannot be determined from the survey whether plan design had an impact on those self-reported factors.