HSA plans with 100% coverage after the deductible are on average about 11% more expensive than those that have additional cost sharing; i.e., 80%/20% co‐insurance after the deductible. Once the deductible is met, it’s like an open bar for the patient… everything is “free”, without having to think about consumption.
It should be obvious. Don’t encourage overutilization by capping out‐of‐pocket limits too quickly. Consumers need reasons to shop. And they need information. Every day we discover new sources for health care cost comparisons. Just one example is at this link.
Proper plan design allows you to save about $900 of annualized premium per covered employee. And help reduce health care inflation in the process!