{"id":13852,"date":"2017-04-26T14:00:46","date_gmt":"2017-04-26T14:00:46","guid":{"rendered":"https:\/\/www.wellable.co\/blog\/2017-04-26-hdhps-create-need-for-wellness-and-literacy-tools\/"},"modified":"2022-10-12T06:22:17","modified_gmt":"2022-10-12T10:22:17","slug":"2017-04-26-hdhps-create-need-for-wellness-and-literacy-tools","status":"publish","type":"post","link":"https:\/\/www.wellable.co\/blog\/2017-04-26-hdhps-create-need-for-wellness-and-literacy-tools\/","title":{"rendered":"HDHPs Create Need For Wellness And Literacy Tools"},"content":{"rendered":"<p>High-deductible health plans (HDHPs), which shift more of the upfront financial burden of healthcare expenses onto members, operate on the assumption that the financial risk associated with the plans will make members their own best care managers.\u00a0 Also, these plans typically offer the greatest savings and are the lowest-cost option for employees in terms of their paycheck deduction, making them an attractive option.\u00a0 As a result of this thinking, HDHPs have grown significantly over the years with 53% of employers offering them as an option (up from 39% in 2015), according to Healthcare Trends Institute\u2019s fourth annual <a href=\"http:\/\/www.businesswire.com\/news\/home\/20170214005135\/en\/Business-Owners-HR-Professionals-Quality-Benefits-Packages\" target=\"_blank\" rel=\"noopener noreferrer\">Benefits Benchmark Survey<\/a>.<\/p>\n<p><img decoding=\"async\" class=\"alignright\" src=\"https:\/\/www.wellable.co\/blog\/wp-content\/uploads\/2022\/08\/2017-Healthcare-Benefits-Trends.png\" alt=\"HDHPs Create Need For Wellness And Literacy Tools\" width=\"286\" \/><\/p>\n<p>The survey also identified how employers are bracing for increasing costs and rounding out the top three were efforts to increase employee health care engagement (22%) and wellness and health management programs (18%).\u00a0 In laymen terms, employers should help employees become more knowledgeable consumers of healthcare and engage in healthy behaviors to prevent costly healthcare encounters.<\/p>\n<p>In regard to health literacy, employers need to provide members with the resources and tools to understand how healthcare works and how to make better purchasing decisions when it comes to consuming healthcare.\u00a0 This goes beyond providing resources and materials that employees will never look at.\u00a0 One option would be to offer a gamified approach to health literacy with tools like <a href=\"http:\/\/www.quizzify.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Quizzify<\/a>.\u00a0 Engaging employees in health literacy is different than simply offering resources, and employers need to be more proactive in addressing gaps in literacy, especially as they see their employees flock to lower-premium HDHPs.<\/p>\n<p>The same can be said about wellness programs (i.e., employers need to be proactive and innovative).\u00a0 Since HDHPs are often associated with Health Savings Accounts (HSAs), providing wellness programs linked to contributions to HSA accounts can encourage employees to engage in healthier lifestyle while creating financial reserves that can offset their high deductibles.\u00a0 Since many employers already contribute funds to HSA accounts on behalf of employees, the budgetary impact to linking these contributions to wellness engagement can be minimal.\u00a0 Wellable is currently running <a href=\"http:\/\/www.prnewswire.com\/news-releases\/hsa-health-plan-partners-with-wellable-for-wellness-incentive-program-300389149.html?tc=eml_cleartime\" target=\"_blank\" rel=\"noopener noreferrer\">similar programs<\/a> with employers, and their employees are benefiting from these programs in multiple ways.<\/p>\n<p>If the growth of HDHPs continues, employers offering innovative ways to assist employees with the transition will benefit from a happier and more financially well workforce.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>HDHPs Create Need For Wellness And Literacy Tools<\/p>\n","protected":false},"author":1,"featured_media":13853,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[13],"tags":[],"class_list":["post-13852","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-facts-and-research"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.6 (Yoast SEO v24.8.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>HDHPs Create Need For Wellness And Literacy Tools | Wellable<\/title>\n<meta name=\"description\" content=\"HDHPs Create Need For Wellness And Literacy Tools\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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