Savings from consumer plans not as dramatic as hoped; leaders should continue to educate, empower consumers

NATIONAL REPORTS - Consumer-driven health plans (CDHPs) do not currently produce dramatic savings compared with what would be expected from high-deductible plans, according to experts.

Recent Milliman analysis of employer programs that offer employees a choice of CDHPs or non-CDHPs, shows that when offered as a new choice, CDHPs deliver a modest 1.5% in savings beyond nonCDHPs based on typical risk- and benefit-adjustment factors. This contrasts with die more dramatic savings that CDHPs appear to bring if certain adjustments are not taken into account.

"This is not surprising, because ...

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