Cigna CDHP Experience

Cigna just released its 4th annual study of its CDHP business or Choice Fund. The study showed significant reduction in medical trend--14%--from 2007 to 2008 along with an increase in preventive services as compared to traditional plans. This increase in preventive care services is significant because of the the concern that CDHP members are not seeking care because of the high deductibles. While the results are encouraging I still think that CDHP plans will only be effective for a select group of consumers. Most consumers know little about their health care coverage and while giving them "skin in the game" I still doubt that CDHP plans will dominate the marketplace.