What are the disadvantages of a consumer driven healthcare plan?

A consumer-driven plan involves an Health Savings Account (HSA) or Health Reimbursement Account (HRA) and a high-deductible health plan. This is an additional degree of complexity for the average consumer. CDHPs place the onus on you, the consumer, to shop around and find the best mix of price and quality for your health dollar. Additionally, consumer-driven healthplans often mean more out-of-pocket healthcare spending for average consumers. In theory, employers will offset this by offering higher salaries, enabled by the cost-savings over traditional insurance plans.

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