Studies and Surveys

• 2011 EBRI/MGA Consumer Engagement in Health Care Survey
  Released December 2011.  This survey once again found that consumers enrolled in consumer-directed helath plans (CDHPs) are more engaged in cost-saving efforts than those in traditional health plans. 
  
  

• Mercer's National Survey of Employer-Sponsored Health Plans
  Released November 2011.  This survey included the findings that within emploer-sponsored health plans, 13% of all covered employees are enrolled in a CDHP and the cost of coverage in a CDHP with a health savings account is nearly 20% lower, on average, than the cost of PPO coverage – $7,787 per employee compared to $9,385. 
  
  

• 2011 Employer and Account Holder Surveys by ACS, A Xerox Company
  Released November 2011, the surveys found a majority of small employers (77%) believe that High Deductible Health Plans with an HSA are key in controlling health care costs and that 56% of HSA account holders have found that their HSA-qualified plan provides an affordable health care option.
  
  

• Employee Benefits Accountability and Consumerism 2011 survey by WorldatWork
  Released October 2011, among the findings of this survey was that more companies (47% in 2011 vs. 27% in 2006) are offering consumer-driven health plan options (CDHP) as a way to manage costs and a greater number are offering health savings account-based plans as their preferred choice. 
   
  

• Kaiser Family Foundation/Health Research & Educational Trust 2011 Employer Health Benefits Survey
  Released September 2011, the survey found that HDHPs paired with an HSA continue to gain popularity among employers of all sizes.
  
  

• Devenir Survey, released August 2011. HSA Council member Devenir found HSAs rise to over $11.7 Billion in Total Deposits. The survey of the top 50 HSA custodians found that total deposits, account balances and investment dollars all increased in 2011.
  
  
• Fidelity^® Report, released July 2011.  HSA Council Board member finds HSA participants save twice as much in their 401(k)s than average participants.  This pattern holds true accross all compensation levels.
  
  
• AHIP 2011 Annual Census on HSA/HDHPs, released June 2011. As of January 2011, more than 11.4 million Americans were covered by HSA-eligible high deductible health plans (HDHPs), an increase of more than 14 percent from the prior year.
  
  
• PricewaterhouseCooper Survey, released May 2011 finds High Deductible Health Plans continue to grow. The 2011 Health & Well-Being Touchstone Survey found that enrollment in HDHPs with an HSA increased 9% in 2011 over last year.
  
  
• Consumer Driven Market Report, released March 2011 reports over 12.8 million lives are now covered by HSAs. Read the full report for a complete picture of the HSA market through January 2011.  By Bill Boyles.
  
  
• Devenir 2010 Survey, released in February 2011 found that HSAs surpass now $10 billion in total deposits.
  
  
• Aetna HealthFund CDHPs study, released February 2011 finds that employers save millions over traditional plans and that CDHP consumers access more preventative care than those with a traditional plan.
  
  
• CDMR Study, released February 2011 finds a 32.7% increase in total HSA assets over one year. 
  
  
• UMB Healthcare Services reports a 40% increase in the number of HSAs after the 2010 open enrollment period.  Released February 2011.
  
  

Previous Studies and Surveys

• AHIP Analysis of HSA Balances, Contributions, and Withdrawals in 2009. Released December 2010.
• Willis Health Care Reform Survey of 2010 looks at the employers' perception of PPACA and studies the impact of PPACA on future benefit strategies.
• CIGNA Choice Fund Experience Study,released October 2010.  Tracks the experiences of customers in CIGNA's consumer-driven health plans (CDHPs).
• 2010 Health Benefits Survey by the Rochester Business Alliance found that 30% of responding employers now offer a HDHP with an HSA, up from 15% last year.
• Survey by the National Business Group and associated Press Release: More Employers Shifting to Full-Replacement Consumer-Directed Health Plans.
• HSA Bank 2010 Consumer Benchmark Report: finds that people with an HSA-compatible health plan have similar characteristics as those with traditional health plans.
• AHIP 2010 HSA/HDHP Census Study: America's Health Insurance Plans found, as of January 1, 2010, there were over 10 million lives covered by HSAs.  Read the full study to learn more about the continuing popularity of HSAs.  
• 2010 Survey of Consumer-Driven Health Plans (CDHP): by the American Association of Preferred Provider Organizations (AAPPO) found CDHP were the only type of health insurance plan that grow in 2009. 
  American Academy of Actuaries' 2009 Study on CDHPs: The American Academy of Actuaries released this study, which summarizes the results of four major studies regarding consumer-driven health plans (CDHPs), and shows that CDHPs are effective at controlling costs and increasing preventative care.
• OptumHealth 2009 HSA Owner Survey: OptumHealth sponsored this national survey of 500 randomly selected HSA owners to measure their satisfaction, opinions, motivations, and saving-and-spending behavior.  (5-09)
• AHIP 2009 HSA Income Study: America's Health Insurance Plans (AHIP) released a study that found 83% of accountholders live in neighborhoods that had median incomes less than $75,000 in 1999 dollars.  (5-09)
• AHIP 2009 HSA/HDHP Census Study: America's Health Insurance Plans (AHIP) released a study that found, as of January 1, 2009, there were over 8 million lives covered by HSAs.  Read the full study to learn more about the continuing popularity of HSAs.  (5-09)  
• AHIP HSA/HDHP Study: America's Health Insurance Plans (AHIP) released a census of enrollees in HDHPs linked to HSA that showed an increase of 43% since last year.  Other findings include that 27% of enrollees were previously uninsured and that over 90% of companies offer HDHPs with a carve out for preventive care.  (4-07)

The HSA Council is a joint effort of the American Bankers Association and its insurance subsidiary, the American Bankers Insurance Association.

Questions? Please contact Renee Galbraith for more information