When you implement a qualified HDHP with an HRA that covers preventive care at 100%, and you fund 50–75% of the plan’s deductible through the HRA, on average you will see 60% of the total healthcare account funding allocation exhausted from year to year.  On the other hand, if you use a HDHP that subjects only high-cost medical care and not the routine day-to-day medical care of doctors and prescription drugs to the deductible, that usage figure will decrease to about 40%.

When you implement a qualified HDHP with an HSA that covers preventive care at 100%, and you fund 25–50% of the deductible, on average, you will see usage decrease even further to roughly 40% of the health savings account funding allocation. In most cases, the drop in usage with the CDHP/HSA is substantially greater than the CDHP/HRA and underscores the principle of “use it or keep it.”

CDHPCoach’s Storage Facility, where the Coach has organized and compiled a vast amount of tools and resources for you to access.

Housed here are key components and information within the book, Bend the Healthcare Trend which was the impetus behind the CDHPCoach.