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Consumerism and wellness: rising tide, falling cost
1Mercer's Newport Beach, California, USA.
Benefits Quarterly
|July 2, 2008
Summary
Annual health plan costs are slowing due to better health management and consumerism. Consumer-Directed Health Plans (CDHPs) are rising, but require transparent data and intuitive solutions for true consumer-driven healthcare.
Area of Science:
- Health Economics
- Healthcare Management
- Consumer Health Informatics
Background:
- Employer-sponsored health plan cost increases are decelerating.
- This trend is linked to reduced healthcare utilization.
- Health management activities, wellness programs, and consumerism strategies are contributing factors.
Purpose of the Study:
- To describe the rise of Consumer-Directed Health Plans (CDHPs).
- To identify necessary developments for realizing the full potential of consumer-directed healthcare.
- To explore the role of information transparency and consumer engagement.
Main Methods:
- Literature review on healthcare cost trends.
- Analysis of the growth and characteristics of CDHPs.
- Discussion of factors enabling consumer-directed healthcare.
Main Results:
- Significant increase in CDHP adoption in recent years.
- Slowing healthcare utilization is a key driver of cost moderation.
- Consumerism strategies are influencing health plan choices and utilization.
Conclusions:
- CDHPs are a growing segment of employer-sponsored health plans.
- Achieving true consumer-directed healthcare requires transparent data, increased consumer demand for information, and intuitive data solutions.
- Empowering consumers with accessible information is crucial for informed healthcare decisions.
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