More Employers Switching Health Benefits to High-Deductible, Health Savings Account Plans

Employers are more frequently offering workers high-deductible health plans in conjunction with health savings accounts, sometimes as the workers' only health benefit option, according to a survey conducted by Towers Watson and the National Business Group on Health.

According to the report, 66 percent of companies with 1,000 or more employees offered at least one health plan option that featured a lower premium but used a health savings account to offset some of the high deductible cost, with 15 percent of surveyed companies offering this as the only sponsored health plan.

This model is even more common in smaller companies with fewer than 200 workers, where about one in four enrolled in such plans compared with 17 percent of workers at larger organizations.

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