Figure 2 While there has been a strong movement to HSA-eligible health plans since they became available in 2004, Deductibles, by Type of Health Plan, Among Individuals deductibles have been increasing for all types of health plans. In fact, deductibles have been increasing faster in With a Deductible and Employee-Only Coverage, 2013 –2018 HMO/EPO and PPO/POS plans than in HRAs or HSA-eligible health plans (Figure 4). In PPO/POS plans, still $3,000 the most common type of health plan, deductibles for employee-only coverage increased from $564 to $757 September 3, 2020, #361 between 2013 and 2018, and they increased from $1,064 to $1,471 for family coverage — 34 percent and 38 percent increases, respectively. In contrast, deductibles for HSA-eligible health plans increased 4 percent for $2,500 em ployee-only coverage and 11 percent for family coverage over this same period. Health Plan Deductibles Are Increasing Across the Board $2,000 Figure 4 Cumulative Percentage Change in Employee-Only Employers are trying to address the rising cost of health benefits by increasing deductibles, because it is one of $1,500 the easiest changes to De make to ductibles a health p Bet lan. ween In a recent rep 2013 and ort, 2018 “Trend , s in by Co Ty st pe Shari of ng He foalth r Medical Services, 2013–2018,” the Employee Benefit Research Institute (EBRI) used administrative data on plan design to examine Plan, Among Individuals With a Deductible how cost sharing for medical services has been changing. Notably, EBRI found that health plan deductibles are Compr $1,00eh 0 ensive HMO/EPO PPO/POS HRA HSA-Eligible Health Plan increasing across the board (Figure 1). Deductibles for employee-only coverage increased from $724 to $1,100 50% between 2013 and 2018 — a 52 percent increase. Deductibles for family coverage increased from $1,534 to $2,225 — a 45 percent increase — over the same time period. $500 40% Figure 1 $0 2013 2014 2015 2016 2017 2018 Deductibles, by Type of Coverage, Among Individuals Comprehensive $480 $510 $569 $559 $575 $604 30% HMO/EPO $356 With a Deduct $387 ible, $421 2013 –2018 $455 $511 $522 PPO/POS $564 $604 $754 $710 $744 $757 Employee-Only Family HRA $1,969 $1,962 $1,976 $1,926 $1,957 $1,976 $2 20% ,500 HSA-Eligible Health Plan $2,573 $2,628 $2,540 $2,726 $2,686 $2,673 $2,225 $2,138 $2,049 10% $2 Figur ,002 e 3 $1,934 $2,000 Deductibles, by Type of Health Plan, Among Individuals With a Deductible and Family Coverage, 2013 –2018 0% $5,000 $1,534 $1,500 $4,500 -10% 2014 2015 2016 2017 2018 $4,000 $1,100 $1,063 $991 $988 $1,000 $3,500 $888 The EBRI report, “Trends in Cost Sharing for Medical Services, 2013–2018,” is published as the July 2020 EBRI Cha rtbook, and is available o $724 nline here. $3,000 $2,500 The Employee Benefit Research Institute is a private, nonpartisan, nonprofit research institute based in $500 Washin gton, DC, that focuses on health, savings, retirement, and economic security issues. EBRI does not lobby $2,000 and does not take policy positions. The work of EBRI is made possible by funding from its members and sponsors, which include a bro $1,500ad range of public, private, for-profit and nonprofit organizations. For more $- information go to www.ebri.org or connect with us on Twitter or LinkedIn. 2013 $1,000 2014 2015 2016 2017 2018 $500 One of the reasons for the increase in deductibles is the movement of enrollees from preferred provider ### organizations (PPOs) and point-of-service (POS) plans to HSA-eligible health plans. The percentage of enrollees $0 2013 2014 2015 2016 2017 2018 in HSA-eligible health plans more than doubled between 2013 and 2018, increasing from 4 percent to 10 percent. Comprehensive $892 $945 $1,066 $1,043 $1,065 $1,223 There was also a one-time increase in health reimbursement arrangement (HRA) enrollment, another type of high- HMO/EPO $623 $720 $737 $983 $1,098 $1,127 PPO/POS deductible health plan, between 2013 $1, and 2 064 014.$1 E ,34 nr6ollees in$1 HSA ,402 -eligibl $1 e health ,408 plans $1,45 face 6 d the hi $1,gh 471est average HRA $3,025 $3,431 $3,449 $3,455 $3,526 $3,639 deductibles. They were $2,673 for employee-only coverage and $4,564 for family coverage in 2018 (Figures 2 HSA-Eligible Health Plan $4,117 $4,190 $4,171 $4,242 $4,487 $4,564 and 3). In comparison, deductibles in PPO/POS plans were $757 for employee-only coverage and $1,471 for family coverage. EBRI’s on Twitter! @EBRI or http://twitter.com/EBRI EBRI blog: https://ebriorg.wordpress.com/ E EBRI BRI o on n T Tw wi it tt ter: er: @ @E EBRI BRI o or r h ht tt tp p: :/ // /t tw wi it tt ter er.com .com/ /E EB BRI RI Bl Blo og g: : h ht tt tp ps s: :/ // /e eb br ri io or rg g..w wo or rd dp pres ress s.co .com/ m/ © 2020, Employee Benefit R esearch Institute, 901 D St. SW , Suite 802, Wa shington, DC 20024, 202/659-0670 www.ebri.o rg 2 3