New data shows more employees in high deductible plans, rate varies considerably by state

Analysis of new federal data by SHADAC finds that almost half (43%) of people covered by employer-sponsored health plans were in high-deductible plans last year, up from 30% from 2013. For purposes of this study, high-deductible plans are defined as meeting the minimum deductible amount required for Health Savings Account eligibility ($1,300 for an individual and $2,600 for a family in 2016). But that rate varies considerably between states. Within the ERC region and among all states, New Hampshire was highest last year with 59.3% of employees in high deductible plans.

 

The survey found little change in the percent of employers offering coverage from 2015 to 2016. Premium growth was offset by the 10.1% ($155) growth in average deductibles. Four of the five most expensive states for single coverage premiums were in the ERC region last year – Rhode Island, New Hampshire, Massachusetts and New York.

Employees in high-deducible health plans, 2016 Rank among states Employees in high-deducible health plans, 2013 Increase 2013 to 2016
CT 59% 3rd highest 40% 19%
DE 46% 22nd 29% 17%
ME 56% 8th 47% 9%
MD 44% 27th 25% 19%
MA 39% 41st 23% 16%
NH 69% The highest 50% 19%
NJ 41% 36th 26% 15%
NY 39% 39th 22% 17%
PA 37% 42nd 25% 12%
RI 40% 37th 27% 13%
VT 44% 31st 37% 7%
US 43%   30% 13%