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Consumer-Driven Health Plan

Growing health care costs and new regulations make it difficult for employers offering health insurance to control costs. Although they want to offer high-quality health insurance plans, it is difficult to keep the cost of these plans at an acceptable level. Many employees do not understand the true cost of health care and are not motivated to keep costs low. For this reason, many employers delegate some of the responsibility and risk associated with health care to their employees. This is where consumer-oriented health care plans come into play.

Consumer-oriented health plans, also known as FCSPs, are health plans that give consumers more control over how much money they spend on health care. Usually they are in three parts. The first element of a consumer-oriented health plan is a high franchise. It provides financial security in case of critical illness, while benefits are usually provided at a reasonable price. The second element is the health fund, to which workers and employers can contribute. The insured may use the funds for health care before the franchise occurs. Finally, consumer-oriented health care plans provide information tools that help health decision makers to make more informed decisions.


While consumer-oriented health plans are structured differently from traditional health plans, they function essentially in the same way. The amount of the deduction is supported by the policyholder. For this purpose, the policyholder pays the agreed price for each health care service until the agreed amount is reached. The insured may also use the funds from their medical account to pay for the services until they reach the franchise. Upon reaching the franchise, the insurance company and the insured part of the share in the cost of the insured medical services. The Policyholder and the Insurer shall continue to share the cost of medical services until the Policyholder reaches the maximum level of expenses. Once the policyholder reaches the maximum, the Plan will cover all medical expenses for the rest of the year.

Although consumer-oriented health plans are new medical plans, many employers prefer to offer such plans to their employees. They allow employers to continue to offer high-quality health care plans, but at a lower cost. They also help employees to participate in their health care and take responsibility. No matter what people think of them, it looks like consumer-oriented health plans are still there.



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