Aflac | Workforces Report | 2013 - page 8

A f l a c |
W o r k f o r c e s r e p o r t | 2 0 1 3
Many systematic changes have occurred in the delivery of health care over the past several years, and
they have all resulted in the future of health care being largely in the hands of consumers. The shift from
copays and coinsurance to cost-shifting and consumerism has not evolved slowly over time; it has in
many ways been a revolution. In a brief decade, an increasing number of employers have moved away
from costlier HMO and PPO plans in favor of consumer-driven or high-deductible health plans. This
combined with the implementation of health care legislation has fueled a seismic shift for employers
and consumers alike.
Employers have arguably embraced the idea of consumer-driven health care more quickly than
consumers, given the toxic combination of economic turmoil and rising health care prices. In fact,
controlling health/medical insurance costs was again named the most important HR objective for
companies in 2013.
As a result, companies are considering many consumer-driven options to help curb
those costs, including high-deductible health plans (HDHPs) whereby employees are subject to higher
deductibles but lower monthly premiums, defined contribution plans and state or federal exchanges.
Consumer - dr i v en He a lth Care
Businesses turn to consumer-driven
health care, but are consumers ready?
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