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CDHP, HDHP Companies
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CDHC POSES DISINTERMEDIATION RISK, SHOWALTER SAYS
Consumer-directed healthcare poses “a significant disintermediation risk” for managed care organizations driven by the prospect that financial institutions can greatly simplify transactions, said Michael Showalter, vice president of consumerism, Cigna Corp. (Philadelphia).
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EMPLOYERS WORRY OVER HSA PLAN COMPLEXITY, COST
The two primary reasons why employers remain reluctant to offer HRA or HSA-compatible high deductible health plans are the complexity of the consumer-directed concept and plan pricing structures, according to a survey conducted by the Council of Insurance Agents & Brokers (Washington).
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GUARDIAN HAS 30,000+ HSA, HRA LIVES
Guardian Life Insurance Co. (New York) has a total of more than 30,000 lives in HRA and HSA-compatible high deductible health plans, including more than 25,000 in Illinois and more than 5000 in the mid-Atlantic region, according to Rick Viesta, vice president, group medical. The bulk of the lives are in HRA plans, which Guardian offers in a joint venture with defined contribution health plans pioneer Destiny Health (Chicago).
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CDHP PREMIUMS TO DOUBLE, SURVEY SAYS
Milliman (Seattle) said that premium revenues from consumer-directed health plan options will make up 5.2% of total premiums in 2006, compared to 2.5% in 2005, according to the company’s annual survey of fully insured HMOs and PPOs.
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’06 HSA MINIMUM DEDUCTIBLE TO RISE 5%
As expected (HMN, August), the minimum deductibles for HSA-compatible high-deductible health plans will rise 5% to $1050 single, $2100 family in 2006, the U.S. Treasury Dept. announced, up from $1000 single, $2000 family in 2005.
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HSA LIVES TO TOP 2 MM BY 1/1/06
Membership in HSA-compatible high-deductible health plans will top 2 million on Jan. 1, 2006, according to the soon-to-be released HSA Data Pak and Action Guide.
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