SUMMARYOFFINDINGS deductibleis$1,221. Fifty-eightpercentofcoveredworkersinsmallfirmsand48%ofcoveredworkersinlargefirmsarein aplanwithadeductibleofatleast$1,000forsinglecoverage,similartothepercentageslastyear. Overthelastfiveyears, however,thepercentageofcoveredworkerswithageneralannualdeductibleof$1,000ormoreforsinglecoveragehasgrown substantially, increasing from 34% in 2012 to 51% in 2017 [Figure E]. Thirty-seven percent of covered workers in small firms are in a plan with a deductible of at least $2,000, compared to 15% for covered workers in large firms. Deductibleshaveincreasedinrecentyearsduetohigherdeductibleamountswithinplantypesandtohigherenrollmentin HDHP/SOs. WhilegrowingdeductiblesinPPOsandotherplantypesgenerallyincreaseenrolleeout-of-pocketliability,theshift in enrollmenttoHDHP/SOsdoesnotnecessarilydosobecausemostHDHP/SOenrolleesreceiveanaccountcontributionfrom their employers. Twenty-onepercentofcoveredworkersinanHDHPwithaHealthReimbursementArrangement(HRA)and2% of coveredworkersinaHealthSavingsAccount(HSA)-qualifiedHDHPreceiveanaccountcontributionforsinglecoverageat least equal to their deductible, while another 35% of covered workers in an HDHP with an HRAand30%ofcoveredworkersin anHSA-qualifiedHDHPreceiveaccountcontributionsthat,ifappliedtotheirdeductible,wouldreducetheircostsharingto less than $1,000. Whethertheyfaceageneralannualdeductibleornot,alargeshareofcoveredworkersalsopayaportionofthecostwhen theyvisit an in-networkphysician. Forprimarycare,71%ofcoveredworkershaveacopayment(afixeddollaramount) whentheyvisitadoctorand22%havecoinsurance(apercentageofthecoveredamount). Forspecialtycare,67%facea copaymentand26%facecoinsurance. Theaveragecopaymentsare$25forprimarycareand$38forspecialtycare. The averagecoinsuranceis19%forprimaryand19%forspecialtycare. Theseamountsaresimilartothosein2016. Mostworkersalsofaceadditionalcostsharingforanemergencyroomvisit,hospitaladmission,oroutpatientsurgery. Afterany generalannualdeductibleismet,32%ofcoveredworkershaveacoinsuranceand58%haveacopaymentforanemergency roomvisit,and64%ofcoveredworkershaveacoinsuranceand12%haveacopaymentforhospitaladmissions. Theaverage coinsurancerateforhospitaladmissionsis19%andtheaveragecopaymentis$336perhospitaladmission. Thecostsharing provisionsforoutpatientsurgeryfollowasimilarpatterntothoseforhospitaladmissions. Whilealmostall(98%)coveredworkersareinplanswithalimitonin-networkcostsharing(calledanout-of-pocketmaximum) for single coverage, there is considerable variation in the actual dollar limits [Figure F]. Fifty-seven percent of these workers areinaplanwithanannualout-of-pocketmaximumforsinglecoverageofmorethan$3,000,while18%areinaplanwithan out-of-pocketmaximumof$6,000ormore. The Kaiser Family Foundation and Health Research & Educational Trust / Page 8