High-deductible Health Plan Enrollment Among Adults Aged 18-64 With Employment-based Insurance Coverage

Abstract

High-deductible health plans (HDHPs) are health insurance policies with higher deductibles than traditional insurance plans. Individuals with HDHPs pay lower monthly insurance premiums but pay more out of pocket for medical expenses until their deductible is met. An HDHP may be used with or without a health savings account (HSA). An HSA allows pretax income to be saved to help pay for the higher costs associated with an HDHP (1). This report examines enrollment among adults aged 18-64 with employmentbased private health insurance coverage by plan type and demographic characteristics. Approximately 60% of adults aged 18-64 have employmentbased coverage (2). All estimates in this report are based on data from the National Health Interview Survey (NHIS).