It is possible that your employees have had to spend a lot of money out-of-pocket, because your contribution was not adequate, perhaps because you didn’t invest enough of the premium savings from the transition to a HDHP. It may be due to overestimating the effects of a health and wellness program in the early stages, and assumingthat spending would go down more than it has, or perhaps you did not yet yet have a realistic handle on your employees use of their HRA funds. Your benefits advisor and your insurer can help you identify the underlying trends and provide you with insight to help you make the best decisions as you move forward.

If your company experiences greater usage of the healthcare account than the averages listed above, you may need to supply additional dollars to ensure that you have not shifted too much financial burden to your employees. This second-year adjustment will encourage your employees to keep up the good work and also let them know that you are in this together, and that you will make corrections when necessary.

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.