An increase in the offering of consumer-driven health care products has not translated into increased understanding on the part of consumers — exposing a need for employers and benefit professionals to better communicate to employees how their benefit plans work and what value they have.

Adoption rates for high-deductible health plans, health savings accounts, and health reimbursement accounts continue to rise, yet consumers, even those who have such plans and accounts, don’t fully understand them. Only 30% of HSA account holders passed a basic HSA proficiency quiz as part of a survey for Waltham, Mass.-based Alegeus Technologies’ 2014 Consumer and Employer Healthcare Benefits Survey. With a 50% pass rate on the flexible spending account proficiency quiz, FSA account holders did not score much better.

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