National Survey of Enrollees in Consumer-Directed Health Plans

This Kaiser survey looks at the views and experiences of people enrolled in consumer-directed health plans as compared to people with traditional health insurance. Consumer-directed plans, which involve high deductibles coupled with tax-preferred saving options that consumers can use to pay for their care out of pocket, are intended to make consumers more active participants in decisions about their health care, including on cost issues.

The survey was conducted among 1,389 people, including 272 who are enrolled in consumer-directed health plans, plans with a high deductible that also involve a Health Savings Account or Health Reimbursement Arrangement, and 715 with more traditional employer-sponsored insurance. The margin of sampling error for the survey is plus or minus 7 percentage points for the consumer-directed group, and plus or minus 5 percentage points for the group with more traditional plans.




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