enrollee heterogeneity has significant implications for future research.
Another question of considerable interest is whether employers can reimburse employees for medical expenses--or provide medical services directly to employees--before the minimum HDHP
deductible is satisfied, without compromising the employees' ability to fund an HSA.
What happens to unused HRA funds upon eligibility termination Employees benefit from the stacked design, too, especially the lower premium contributions typically required for the HDHP
and the HRA benefit provided by the employer.
Account holders under age 65 must be covered under an HDHP
but no other health policy providing any of the same benefits.
Since the HDHP
has significantly lower premiums, the employer gets initial cost savings as compared to a standard plan, and this keeps yearly premium increases to a minimum; and
is a health plan that satisfies certain minimum annual deductibles and maximum annual out-of-pocket expense requirements under Sec.
The average employer that implemented an HDHP
and HSA program has 49 percent of eligible employees enrolled in the HDHP
The 2012 Report also includes key data points on monthly premiums, employee contributions and benefit detail within PPO, Kaiser, HMO, HDHP
(HSA), dental, life, vision, and other employee benefit plans.
In addition to HDHP
coverage, the account owner may have accident, disability, dental, vision, long-term care and some other forms of insurance, but cannot otherwise be covered by a non-HDHP
Satisfaction rates for out-of-pocket costs were much higher among those with traditional coverage than among those with either an HDHP
or CDHP, though regardless of plan type, satisfaction with out-of-pocket costs was consistently low," Fronstin said.
The organization selected is expected to provide feedback on how other companies have offered an On-site or Near-site clinic alongside a HDHP
, and explain how they have handled similar arrangements at other clinics.
Most (59 percent) at least somewhat agree that their HDHP
was financially detrimental for themselves and/or their family;