SECTION8. HIGH-DEDUCTIBLEHEALTHPLANSWITHSAVINGSOPTION coverageandfamilycoverageinHDHP/HRAsarehigherthantheaverageamountthatemployerscontribute towardfamilycoverageinhealthplansthatarenotHDHP/SOs[Figure8.8]. – ForHSA-qualifiedHDHPs,theaveragetotalannualfirmcontributionforcoveredworkersis$5,473forsingle coverageand$13,608forworkerswithfamilycoverage. Theaveragetotalfirmcontributionamountsforsingle andfamilycoverageinHSA-qualifiedHDHPsaresimilartotheaveragefirmcontributionstowardsingleandfamily coverageinhealthplansthatarenotHDHP/SOs[Figure8.8]. • Thereisconsiderablevariationintheamountthatemployerscontributetosavingsaccounts. – Forty-six percentofcoveredworkersinanHDHP/HRAhaveanannualHRAcontributionoflessthan$800,while 22%haveanannualHRAcontributionof$1,600ormore. – Thirty-sevenpercentofcoveredworkersinanHSA-qualifiedHDHPhaveanannualHSAcontributionoflessthan $400,including23%thathavenoHSAcontributionfromtheiremployer. Incontrast,12%ofcoveredworkersinan HSA-qualifiedHDHPhaveanannualHSAcontributionof$1,200ormore. Thesepercentagesdonotincludethe 3%ofcoveredworkerswithanemployerthatmatchestheirHSAcontribution. The Kaiser Family Foundation and Health Research & Educational Trust / Page 142
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