Case Study | Adobe

Adobe’s Employees Hop on the HDHP/HSA Train

INDUSTRY:

Technology

WORKFORCE:

7,000 US-based employees

PLAN TYPES:

PPO; HRA; HDHP/HSA introduced in 2014

Thanks to ALEX:

  • 98% of surveyed employees found ALEX’s medical insurance module to be helpful.
  • ALEX reduced Adobe’s ACA tax liability by $4.7 million (in real American dollars)

The Problem:

Because of the way Adobe’s expensive PPO plans were structured, they faced a tax liability of $5 million in 2018 alone (which would compound to $50 million over a four-year period).

The Plan:

Adobe knew they couldn’t rely on plan design changes alone to move their employees to the HDHP. Instead, they turned to ALEX to provide employees with the kind of guidance and decision support that would let them see the value of enrolling in the HSA plan for themselves.

The Outcome:

62% of the workforce took up the new HDHP/HSA plan, which reduced Adobe’s tax liability by $4.7 million.

“For years we’ve been trying to get employees out of the PPO with cost increases, to no avail. [Because of ALEX,] so many employees left our PPO plans and migrated over to the HSA, and now our 2018 tax liability went from $5 million to $300,000. It’s amazing. And we still have until 2018 to keep impacting that plan.”

Rosemary Ariada-Keiper

Senior Director of Rewards, Adobe Systems

“Please keep this service! This was extremely helpful, and made me comfortable with the changes. I’m on the PPO and decided to switch to the HDHP after seeing the information presented here. Very easy to understand. Nice job!”

Employee, Adobe Systems

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