High-Deductible Health Plans

Privately Insured Adults Are Satisfied With Health Plan Coverage

February 27, 2024 - Privately insured adults are generally satisfied with their health plan coverage, valuing their low out-of-pocket costs and premiums, provider networks, and prescription drug coverage, according to data from the Employee Benefit Research Institute (EBRI) and Greenwald Research. The Consumer Engagement in Health Care Survey (CEHCS) included...

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OOP Costs Greater for Cancer Patients in High-Deductible Health Plans

by Victoria Bailey

Patients with cancer enrolled in high-deductible health plans had higher out-of-pocket medical costs compared to those in traditional health plans, according to a study published in JAMA...

83% of Consumers Are Interested in Health Savings Accounts for Non-HDHPs

by Kelsey Waddill

Many consumers would be interested in a type of account that was like a health savings account (HSA) in its construction but able to be attached to plans other than high deductible health plans...

Out-of-Pocket Spending for Pediatric Hospitalizations Reached $3,000

by Victoria Bailey

The average out-of-pocket spending per non-birth-related pediatric hospitalization was $1,313 for privately insured children, but spending varied depending on the time of the year, chronic condition...

Women Face High Out-of-Pocket Costs for Breast Cancer Treatment

by Victoria Bailey

The annual out-of-pocket cost for women with an invasive breast cancer diagnosis receiving insurance coverage through an employer-sponsored plan was $1,502.23, a study published in JAMA Network Open...

2022 Key Enrollment Trends For High Deductible Health Plans

by Kelsey Waddill

High deductible health plan (HDHP) enrollees may have a broader selection of health plans and may view pre-deductible coverage for chronic disease prevention care as a deciding factor in health plan...

High Deductible Health Plan Enrollment Hit Record High in 2021

by Kelsey Waddill

High deductible health plan (HDHP) enrollment hit a record high in 2021, with nearly six out of ten employer-sponsored health plan members enrolled in a high deductible health plan, according to a...

Health Savings Account Balances, Contributions Grew in 2021

by Victoria Bailey

The average health savings account (HSA) balance increased in 2021, with most account holders contributing more money than they withdrew, according to a report from the Employee Research Benefit...

Deductibles, Copayments, OOP Max Trends Indicate Cost-Sharing Growth

by Kelsey Waddill

From 2013 to 2020, cost-sharing trends shifted: deductibles grew, copayments increased for certain services and depending on union employment, and out-of-pocket healthcare spending maximums rose,...

High Deductibles Create Barriers to Screening Mammograms, Follow-Up Tests

by Victoria Bailey

High deductibles may discourage women from receiving follow-up testing after an abnormal mammogram, with one in five saying they would skip additional imaging if they knew they had to pay a deductible,...

Uninsurance, High Deductible Plans Linked to Greater Medical Debt

by Victoria Bailey

The prevalence of medical debt may be tied to health insurance coverage status, as uninsured individuals and those with private high-deductible health plans were more likely to have more medical debt,...

Employees Lack Health Insurance Enrollment Knowledge, Support

by Kelsey Waddill

While many employees consider themselves knowledgeable about health insurance enrollment, their responses to various questions about general health insurance questions would indicate otherwise,...

Health Savings Accounts Do Not Control Enrollee Healthcare Spending

by Kelsey Waddill

Health savings accounts were designed to create a more healthcare cost-conscious populace, but research indicates that these plans may fail to support that goal, according to an analysis published in...

Pre-Deductible Coverage Expansion in HSAs Might Slightly Boost Premiums

by Kelsey Waddill

Expanding the services that are eligible for pre-deductible coverage in a health savings account (HSA) health plan would slightly boost premiums, experts found in an EBRI Issue Brief. In 2019, IRS...

High Deductible Health Plans Impact Employee Mental Healthcare

by Kelsey Waddill

Employee mental healthcare spending rose, and employer mental healthcare spending fell after employers transitioned their workers from preferred provider organizations to high deductible health plans,...

Medical Debt Points To Holes in Health Insurance Industry

by Kelsey Waddill

The widespread nature of medical debt in the US indicates that there are holes in the health insurance system, researchers from the Peterson-Kaiser Family Foundation (KFF) Health System Tracker...

9 Employer Best Practices for High Deductible Health Plan Design

by Kelsey Waddill

Employers are exploring ways to promote effective high deductible health plan benefits utilization among members, as noted in a report from the National Pharmaceutical Council (NPC) and...

Cancer Patients in High Deductible Health Plans Face Steep Costs

by Victoria Bailey

Patients with new cancer diagnoses who were enrolled in a high deductible health plan experienced significantly higher out-of-pocket healthcare costs compared to patients with traditional insurance, a...

High Deductibles Associated with More Medical Bill Problems

by Victoria Bailey

In the year and a half following the Affordable Care Act’s first marketplace open enrollment period, the number of families who had trouble paying medical bills decreased by nearly 10 million....

An Overview of 2021 Prescription Drug Benefits: Tiers, Cost-Sharing

by Kelsey Waddill

In 2021, prescription drug benefits took many forms as employers and payers played with tier structures and cost-sharing strategies to help manage prescription drug costs for employees, a Kaiser Family...

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