At a Glance | October 15, 2020 Health Plan Deductibles Are Increasing Across the Board This analysis is based on a sample of 5.9 million individuals whom we were able to follow from 2013 to 2018. HIGHER DEDUCTIBLES Deductibles Are Trending Up: 2013–2018 Among enrollees with Employee-Only Family Coverage deductibles, there has been an across-the-board increase $2,225 +52% +45% $2,138 in deductibles, regardless $2,002 $2,049 $1,934 of plan type or employee $1,534 demographic, since 2013. $1,100 $1,063 $991 $988 $888 $724 2013 2014 2015 2016 2017 2018 2013 2014 2015 2016 2017 2018 WHAT’S THE PLAN? Deductibles Varied by Plan Type, but Increased for All Groups Enrollees in health savings Employee-Only Family Coverage % Change account (HSA)-eligible health HSA $4,564 +11% plans faced the highest average $4,117 deductibles, though the largest $3,639 +20% HRA percentage increase in % Change $3,025 HSA deductibles occurred among $2,573 $2,673 +4% HRA enrollees in health maintenance $1,969 $1,976 0% organizations (HMOs)/exclusive $1,471 +38% PPO/POS $1,064 $1,127 +81% provider organizations (EPOs) PPO/POS $757 +34% $564 $623 and preferred provider HMO/EPO $522 +47% $356 HMO/EPO organizations (PPOs)/point-of- 2013 2018 2013 2018 service plans (POS). SHIFTING ENROLLMENT Percentage Change in Enrollment by Plan Type One reason for the increase in PPO/POS deductibles is the movement of 65% % Change enrollees from PPO and POS 55% –15% plans to HSA-eligible health plans. The percentage of enrollees in HSA-eligible health HRA HMO/EPO +55% 18% 17% plans more than doubled 15% –17% 11% between 2013 and 2018, 10% +150% 4% increasing from 4 percent to 10 HSA 2013 2018 percent. SOURCE: “Trends in Cost Sharing for Medical Services, 2013–2018,” EBRI Chartbook (Employee Benefit Research Institute, July 2020). © 2020 EBRI This report is copyrighted by the Employee Benefit Research Institute (EBRI). You may copy, print, or download this report solely for personal and noncommercial use, provided that all hard copies retain any and all copyright and other applicable notices contained therein, and you may cite or quote small portions of the report provided that you do so verbatim and with proper citation. Any use beyond the scope of the foregoing requires EBRI’s prior express permission. For permissions, please contact EBRI at permissions@ebri.org.