Preparing for high-deductible health plan patients

Seven imperatives and key resources for medical groups

Krista Teske

More and more employers are turning to private health exchanges, shifting their health insurance offerings from a defined benefit model to defined contribution. More often than not, this results in employees choosing cheaper health insurance plans with lower premiums but greater coinsurance costs in the form of higher co-pays and deductibles.

Even more companies are not leaving that choice up to the employee. Today, nearly a quarter of all U.S. employers offer high-deductible health plans (HDHPs) as their only health insurance option—and, according to benefits consulting firm Aon Hewett, 42 percent of employers are considering offering high-deductible health plans in the next three to five years.

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