SECTION7. EMPLOYEECOSTSHARING GENERALANNUALDEDUCTIBLESAMONGALLCOVEREDWORKERS • Asdiscussedabove,theshareofcoveredworkersinplanswithageneralannualdeductiblehasincreasedsignificantly overtime: from59%in2007,to72%in2012,to81%in2017[Figure7.2],ashavetheaveragedeductibleamountsfor coveredworkersinplanswithdeductibles: from$616in2007,to$1,097in2012,to$1,505in2017[Figure7.10]. Neither trendbyitselfcapturesthefullimpactofchangesindeductiblesoncoveredworkers. Wecanlookattheaverageimpact of bothtrendstogetheroncoveredworkersbyassigningazerodeductiblevaluetocoveredworkersinplanswithno deductibleandlookingathowtheresultingaverageschangeovertime. Theseaveragedeductibleamountsarelowerin anygivenyearbutthechangesovertimereflectboththehigherdeductiblesinplanswithdeductiblesandthefactthat moreworkersfacethem. – Usingthisapproach,theaveragegeneralannualdeductibleforsinglecoverageforallcoveredworkersin2017is $1,221[Figures7.9and7.10]. – The2017valueis52%higherthantheaveragegeneralannualdeductibleof$802in2012and255%higherthan theaveragegeneralannualdeductibleof$343in2007[Figures7.9and7.10]. The Kaiser Family Foundation and Health Research & Educational Trust / Page 105