Who controls the Consumer Driven Plans?

Consumer Driven Plans are designed to give individuals more control over their healthcare choices and expenses. In these plans, employers play a significant role by providing the framework and funding for the health accounts, typically in the form of health savings accounts (HSAs) or health reimbursement arrangements (HRAs).

Employers contribute to these accounts and establish the guidelines for how funds can be used, giving them a significant amount of power over the plan structure. While employees do have control over how to spend their funds and make healthcare decisions, the overall control and design of the Consumer Driven Plans rest with the employers. This is essential as it supports the idea of empowering employees while still aligning with the employer's healthcare strategy and budgetary considerations.

This model helps to foster a collaborative approach to health care costs, pushing both employers and employees to consider the financial implications of healthcare usage.