Consumer Driven Health Plans
A Consumer driven health plan (CDHP) is more commonly referred to as an Health Savings Account (or HSA).
A Consumer driven health plan is basically a high-deductible medical plan coupled with an employer-funded reimbursement account for each employee, featuring three main components: These components form a plan that meets the needs of both employers and employees.
Consumer driven health plans, sometimes called consumer directed health plans, are intended to give enrollees more financial stake in their health care and to encourage them to make informed choices about their care and treatment. These health plans typically make comparative information available to their enrollees in an effort to help them manage their health care costs and choose effective treatments. While, these health plans cover a small share of Americans with private health insurance today, they are becoming more common due to recent changes in federal law.
On Jan. 25, 2005, Kaiser Family Foundation hosted a demonstration of the online tools made available to enrollees in consumer-directed health plans. Executives from Humana and Lumenos conducted real-time demonstrations of their consumer web tools to show how enrollees might manage the costs and quality of their care.
The links below will provide specific resources that will help you choose an Individual health insurance plan in your state, as well as multiple carriers offering online health insurance quotes.
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