SECTION7. EMPLOYEECOSTSHARING • Anotherwaytolookatdeductiblesisthepercentageofallcoveredworkerswhoareinaplanwithadeductiblethat exceedscertainthresholds. Fifty-onepercentofcoveredworkersareinplanswithageneralannualdeductibleof$1,000 ormoreforsinglecoverage,thesamepercentageaslastyear[Figure7.12]. – Overthelastfiveyears,thepercentageofcoveredworkerswithageneralannualdeductibleof$1,000ormorefor single coveragehasgrownsubstantially,increasingfrom34%to51%[Figure7.12]. – Workersinsmallfirmsaremorelikelytohaveageneralannualdeductibleof$1,000ormoreforsinglecoverage thanworkersinlargefirms(58%vs.48%)[Figure7.11]. – Twenty-twopercentofcoveredworkersareenrolledinaplanwithadeductibleof$2,000ormore,similartothe percentagelastyear(23%)[Figure7.14]. Thirty-sevenpercentofcoveredworkersinsmallfirmshaveageneral annualdeductibleof$2,000ormore,ascomparedto15%inlargefirms[Figure7.14]. • OneofthereasonsforthegrowthindeductibleamountshasbeenthegrowthinenrollmentinHDHP/SOs,which havehigherdeductiblesthanotherplans. Whilegrowingdeductiblesinotherplantypesgenerallyincreasesenrollee out-of-pocketliability, the shift in enrollment to HDHP/SOs does not necessarily do so because most HDHP/SOenrollees receiveanaccountcontributionfromtheiremployers,whichinessencereducesthehighcostsharingintheseplans. – Twenty-onepercentofcoveredworkersinanHDHPwithanHRAand2%ofcoveredworkersinanHSA-qualified HDHPreceiveanaccountcontributionforsinglecoverageatleastequaltotheirdeductible,whileanother35%of coveredworkersinanHDHPwithanHRAand30%ofcoveredworkersinanHSA-qualifiedHDHPreceiveaccount contributionsthat,if applied to their deductible, would reduce the deductible to $1,000 or less [Figure 7.16]. – If wereducethedeductiblesthatworkersfacebyemployeraccountcontributions,thepercentageofcovered workerswithadeductibleliabilityof$1,000ormorewouldbereducedfrom51%to40%[Figures7.12and7.13]. The Kaiser Family Foundation and Health Research & Educational Trust / Page 106