In the context of health care, which statement is correct about consumer-driven health plans?

The correct response indicates that consumer-driven health plans (CDHPs) have significantly increased in popularity among employers. This trend can be attributed to several factors that align with the current health care landscape.

One primary reason for the increased adoption of CDHPs is the shift toward cost containment. Employers are seeking ways to manage rising health care costs while still providing employees with meaningful health benefits. CDHPs typically combine high-deductible health plans with health savings accounts (HSAs), allowing employees to have more control over their health care spending and decision-making. As they become more familiar with managing their medical expenses, employees may appreciate the choices and flexibility these plans provide.

While it is also true that some employers are attracted to the potential for reduced premium costs associated with high-deductible plans, the underlying motivation remains the promotion of consumer engagement in health care decisions, which encourages cost-conscious behavior among employees. As a result, more employers recognize the value of these plans in enhancing employee participation in their health care choices, which contributes to their growing popularity.

In contrast, the incorrect statements relate to characteristics that do not accurately represent CDHPs. They do allow for Health Savings Accounts (HSAs), fostering a sense of ownership over health care finances for consumers. Additionally