title: What high-deductible plans look like: findings from a national survey of employers, 2005.
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 dollar 1,870 for single coverage and dollar 3,686 for family coverage in high-deductible health plans with an HRA and dollar 1,901 for single coverage and dollar 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.
authors.affiliation: Henry J. Kaiser Family Foundation (KFF), Washington, DC, USA. gclaxton@kff.org
authors.forename: Gary
authors.initials: G
authors.lastname: Claxton
authors.forename: Jon
authors.initials: J
authors.lastname: Gabel
authors.forename: Isadora
authors.initials: I
authors.lastname: Gil
authors.forename: Jeremy
authors.initials: J
authors.lastname: Pickreign
authors.forename: Heidi
authors.initials: H
authors.lastname: Whitmore
authors.forename: Benjamin
authors.initials: B
authors.lastname: Finder
authors.forename: Shada
authors.initials: S
authors.lastname: Rouhani
authors.forename: Samantha
authors.initials: S
authors.lastname: Hawkins
authors.forename: Diane
authors.initials: D
authors.lastname: Rowland
mesh_terms: D003625:Data Collection; D003669:Deductibles and Coinsurance; D006264:Health Benefit Plans, Employee / Q000191:economics / Q000458:organization & administration / Q000706:statistics & numerical data; D014481:United States