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|