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Top CDHP Providers Overview

Employers are increasingly offering consumer-directed health plans (CDHPs) to encourage more cost-conscious healthcare among employees. While 38% of employers now offer CDHPs, up from 33% last year, median employee enrollment remains low at 8%. Those employers with over 10% enrollment in CDHPs experienced lower healthcare cost trends than those with lower enrollment. The top CDHP provider is UnitedHealth Group with over 2 million covered lives, though average enrollment across employers offering CDHPs is still relatively small.

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27 views1 page

Top CDHP Providers Overview

Employers are increasingly offering consumer-directed health plans (CDHPs) to encourage more cost-conscious healthcare among employees. While 38% of employers now offer CDHPs, up from 33% last year, median employee enrollment remains low at 8%. Those employers with over 10% enrollment in CDHPs experienced lower healthcare cost trends than those with lower enrollment. The top CDHP provider is UnitedHealth Group with over 2 million covered lives, though average enrollment across employers offering CDHPs is still relatively small.

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OutFront

This list first appeared in the April 9, 2007 edition of Workforce Management.
With annual premiums for employer-sponsored health insurance more than
double the overall inflation rate, an increasing number of employers are offer-
ing consumer-directed health plans to produce more effective and cost-
conscious health care consumers. Thirty-eight percent of employers currently
offer CDHPs, up from 33 percent in the previous year, according to an annual
survey by Watson Wyatt Worldwide and the National Business Group on
Health. Forty percent of employers offer or plan to offer a health savings ac-
count and 26 percent offer or plan to offer a health reimbursement account.
However, the survey of 573 large companies found that the median employ-
ee enrollment rate in CDHPs remains a relatively low 8 percent, an increase of
only 1 percentage point over the previous year. Forty-three percent of em-
ployers with CDHPs have enrollment of 5 percent or less. While the study
does not directly correlate the use of CDHPs with cost savings, it shows that
enrollment in the plan does. Those with more than 10 percent of their cov-
ered workers enrolled in a CDHP experienced a lower cost trend than those
with low CDHP enrollment and those that do not offer a CDHP.
THE
HOT
L I S T
THE
HOT
L I S T
By Annie Kang
TOP CDHP PROVIDERS FOR
EMPLOYER-SPONSORED PLANS
Ranked by number of covered lives in employer-sponsored consumer-directed health plans
e
Company, Number of covered lives Number of employer Year CDHPs Key CDHP clients
Web address in employer-sponsored CDHP clients first offered
CDHPs
1. UNITEDHEALTH GROUP 2,145,205 18,706 2002 Wendys, American Financial
[Link] Group, Textron
2. WELLPOINT 821,000 Would not disclose 2000 Would not disclose
[Link]
3. AETNA 814,000 4,579 2002 Would not disclose
[Link]
4. CIGNA 500,000 211 2003 Would not disclose
[Link]
5. HUMANA 438,000 Not available 2001 Would not disclose
[Link]
6. BLUE CROSS AND BLUE SHIELD 146,927 3,247 2002 ResCap
OF MINNESOTA (formerly GMAC-RFC)
[Link]
7. MERITAIN HEALTH 108,000 73 2001 Columbus McKinnon, Oshkosh
[Link] Truck Corp., Vermont Teddy Bear
8. MEDICA 73,000 940 2003 University of Minnesota
[Link]
9. BLUECROSS BLUESHIELD OF TENN. 60,085 2,325 2004 Would not disclose
[Link]
10. DESTINY HEALTH 60,000 2,000 2000 Cato Institute, American Enterprise
[Link] Institute, Consumer Electronics
Association, Americans for Tax Reform,
Council for Affordable Health Insurance
11. BLUE CROSS AND BLUE SHIELD 52,000 2,475 2004 Would not disclose
OF MASSACHUSETTS
[Link]
12. HIGHMARK 44,006 2,010 2004 Hershey Foods, JLG Industries
[Link]
13. GREAT-WEST HEALTHCARE 36,685 142 2004 Would not disclose
[Link]
14. PRINCIPAL FINANCIAL GROUP 20,504 1,314 2004 Would not disclose
[Link]
15. BENEMAX 20,000 200 1985 MultiGen-Paradigm, Acme Packet,
[Link] Crosbys Markets
R
A
N
K

0
7
Sources: Companies
STATE OF THE CDHP INDUSTRY

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