SECTION8. HIGH-DEDUCTIBLEHEALTHPLANSWITHSAVINGSOPTION PLANDEDUCTIBLES • Asexpected,workersenrolledinHDHP/SOshavehigherdeductiblesthanworkersenrolledinHMOs,PPOs,orPOSplans. – Theaveragegeneralannualdeductibleforsinglecoverageis$2,129forHDHP/HRAsand$2,433forHSA-qualified HDHPs[Figure8.14]. Theseaveragesaresimilartotheamountsreportedinrecentyears. Thereiswidevariation aroundtheseaverages: 19%ofcoveredworkersenrolledinanHDHP/SOareinaplanwithadeductibleof$1,000 to$1,499while24%areinaplanwithadeductibleof$3,000ormore[Figure8.13]. • Thesurveyasksfirmswhetherthefamilydeductibleamountis(1)anaggregateamount(i.e.,theout-of-pocketexpenses of all family membersarecounteduntilthedeductibleissatisfied),or(2)aper-personamountthatappliestoeach familymember(typicallywithalimitonthenumberoffamilymembersthatwouldberequiredtomeetthedeductible amount)(seeSection7formoreinformation). – Theaverageaggregatedeductiblesforworkerswithfamilycoverageare$4,448forHDHP/HRAsand$4,647for HSA-qualifiedHDHPs[Figure8.7]. Aswithsinglecoverage,thereiswidevariationaroundtheseaveragesforfamily coverage: 18%ofcoveredworkersenrolledinHDHP/SOswithanaggregatefamilydeductiblehaveadeductible of $2,000to$2,999while22%haveadeductibleof$6,000dollarsormore[Figure8.15]. The Kaiser Family Foundation and Health Research & Educational Trust / Page 139