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Related Experiment Videos

Defined contribution health benefits.

P Fronstin

    EBRI Issue Brief
    |April 9, 2001
    PubMed
    Summary

    Defined contribution (DC) health benefits shift costs and choices to employees. Employers use these plans to control health benefit spending and adapt to market changes.

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    Area of Science:

    • Healthcare Economics
    • Employee Benefits
    • Health Insurance Policy

    Background:

    • Employers are exploring defined contribution (DC) health benefits to manage rising healthcare costs.
    • A shift in responsibility for healthcare payment and selection from employers to employees characterizes DC health benefits.
    • Employer interest is driven by cost containment, potential regulatory changes impacting managed care, and a broader trend towards employee choice and flexibility.

    Purpose of the Study:

    • To discuss the emerging trend of defined contribution (DC) health benefits.
    • To explain the common characteristics and motivations behind DC health benefit approaches.
    • To differentiate DC health benefits from traditional defined contribution retirement plans.

    Main Methods:

    • The brief analyzes the concept and implications of defined contribution health benefits.
    • It reviews the reasons employers are considering these approaches.
    • It contrasts DC health benefits with DC retirement plans.

    Main Results:

    • Defined contribution health benefits transfer payment and selection responsibilities to employees.
    • Employers are motivated by cost control, managed care backlash, and increased employee flexibility.
    • DC health plans may expose employees to variable premiums based on health status, unlike DC retirement plans.

    Conclusions:

    • Defined contribution health benefits represent a significant shift in the employer-sponsored health insurance landscape.
    • These plans offer employers cost-control mechanisms but may increase financial risk for employees.
    • Understanding the nuances of DC health benefits is crucial for employers, employees, and policymakers.

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