Rising health care costs. The Affordable Care Act. The way employers and employees offer and pay for health care is in a constant state of flux. As health care costs continue to rise beyond the rate of inflation, more and more employers are shifting the costs onto their employees through consumer-driven health plans. In 2002, just 2% of companies with 1,000 or more employees offered CDHPs. That rose to more than 54% in 2010, according to a Towers Watson and National Business Group on Health survey.

Back in 2005, CDHC was a "very small spot on the landscape." It has experienced steady growth over the years, says George Lane, a principal at Mercer in Washington and EBA Advisory Board Member.

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