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

Area of Science:

• Health Services Research
• Health Economics
• Public Health

Background:

• High-deductible health plans (HDHPs) are characterized by lower monthly premiums and higher out-of-pocket expenses until a deductible is met.
• Health Savings Accounts (HSAs) can be paired with HDHPs to allow for pretax savings to offset medical costs.
• A significant portion of adults aged 18-64 have employer-based private health insurance.

Purpose of the Study:

• To analyze enrollment patterns within high-deductible health plans (HDHPs) among adults aged 18-64.
• To examine the distribution of HDHP enrollment based on various demographic characteristics.
• To understand the prevalence of HDHPs within the landscape of employer-sponsored private health insurance.

Main Methods:

• Utilized data from the National Health Interview Survey (NHIS) for the analysis.
• Focused on the adult population aged 18-64 with employer-based private health insurance.
• Categorized enrollment by plan type (including HDHPs) and demographic factors.

Main Results:

• The study provides insights into the enrollment figures for high-deductible health plans.
• Demographic characteristics associated with HDHP enrollment are detailed.
• The report quantifies the prevalence of employer-sponsored coverage among working-age adults.

Conclusions:

• Findings contribute to understanding the uptake and characteristics of high-deductible health plans in the US.
• The data highlights the importance of demographic factors in health insurance plan selection.
• This analysis offers a snapshot of current enrollment trends in employer-sponsored health insurance.