title: Account-based plans curb costs and engage employees.
abstract: A growing number of organizations are combining consumer-driven health plans with account-based approaches in order to limit health benefit costs, reinforce key consumerist messages and provide meaningful benefits to both actives and retirees. This article describes how account-based approaches work and can be used to motivate employees to invest in their health today and salt away funds for tomorrow. The author describes what employers can do to ensure that consumer-driven health plans and account-based approaches help employees accomplish their goals.
authors.affiliation: Towers Perrin's Health and Welfare Practice, Milwaukee, Wisconsin, USA.
authors.forename: Dave
authors.initials: D
authors.lastname: Osterndorf
mesh_terms: D000328:Adult; D003258:Consumer Behavior / Q000191:economics*; D004649:Employee Incentive Plans; D017049:Employer Health Costs; D006264:Health Benefit Plans, Employee / Q000191:economics*; D006293:Health Promotion / Q000379:methods*; D006801:Humans; D007318:Inservice Training; D020402:Medical Savings Accounts / Q000191:economics*; D008875:Middle Aged; D012179:Retirement / Q000191:economics; D014481:United States