Posting date: September 14, 2005

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Health Affairs, 10.1377/hlthaff.w5.434
Copyright © 2005 by Project HOPE

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What High-Deductible Plans Look Like: Findings From A National Survey Of Employers, 2005

¹ Gary Claxton is a vice president of the Henry J. Kaiser Family Foundation (KFF) in Washington, D.C.
² Jon Gabel is a vice president of the Center for Studying Health System Change (HSC) in Washington.
³ Isadora Gil is a policy analyst at KFF.
⁴ Jeremy Pickreign is a researcher at HSC.
⁵ Heidi Whitmore is a researcher at HSC.
⁶ Benjamin Finder is a research assistant at KFF.
⁷ Shada Rouhani is a research assistant at KFF.
⁸ Samantha Hawkins is research manager at the Health Research and Educational Trust (HRET) in Washington.
⁹ Diane Rowland is executive vice president of KFF. Gabel, Pickreign, and Whitmore were employees of HRET when this research was conducted.

^*Corresponding author.

Abstract

This paper documents the availability, enrollment, premiums, and cost sharing for high-deductible health plans that are offered with a health reimbursement arrangement (HRA) or are health savings account (HSA)-qualified plans. Almost 4 percent of employers that offer health benefits offer one of these arrangements in 2005, covering about 2.4 million workers. Deductibles, as expected, are relatively high, averaging $1,870 for single coverage and $3,686 for family coverage in high-deductible health plans with an HRA and $1,901 for single coverage and $4,070 for family coverage in HSA-qualified high-deductible health plans. One in three employers offering a high-deductible health plan that is HSA-qualified do not contribute to HSAs established by their workers.

Key Words: Access To Care, Business Of Health, Consumer Issues, Health Reform, Insurance - Employer-Based System, Managed Care - Consumers, Health Spending, Insurance Market

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