SECTION7. EMPLOYEECOSTSHARING GENERALANNUALDEDUCTIBLESFORWORKERSENROLLEDINFAMILYCOVERGE • Forfamilycoverage,themajorityofcoveredworkerswithgeneralannualdeductibleshaveanaggregatedeductible, whichmeansthatallfamilymembers’out-of-pocketexpensescounttowardmeetingthedeductibleamount. Among coveredworkersinaplanwithfamilycoverage,thepercentagesofcoveredworkerswithanaverageaggregategeneral annualdeductibleare24%forworkersinHMOs,50%forworkersinPPOs,and43%forworkersinPOSplans[Figure 7.20]. – Theaveragedeductibleamountsforcoveredworkerswithanaggregatedeductibleforfamilycoverageare$2,732 for HMOs,$2,503forPPOs,$2,697forPOSplans,and$4,527forHDHP/SOs[Figure7.21]. Deductibleamountsfor aggregatefamilydeductiblesaresimilartolastyearforplantypesotherthanPPOs. • Theothertypeoffamilydeductible,aseparateper-persondeductible,requireseachfamilymembertomeetaseparate per-persondeductibleamountbeforetheplancoversexpensesforthatmember. Abouttwo-thirdsofcoveredworkers in plans with separate per-person family deductibles (68%) consider the deductible met for all family members if a 1 prescribednumberoffamilymemberseachreacheshisorherseparatedeductibleamounts[Figure7.24]. Plansmay also require each family membertomeetaseparateper-persondeductibleuntilthefamily’scombinedspending reachesaspecifieddollaramount. – Forcoveredworkersinhealthplansthathaveseparateper-persongeneralannualdeductibleamountsforfamily coverage,theaveragedeductiblesare$1,045forHMOs,$914forPPOs,$1,128forPOSplans,and$2,645for HDHP/SOs[Figure7.21]. 1 Someworkerswithseparateper-persondeductiblesorout-of-pocketmaximumsforfamilycoveragedonothaveaspecificnumberoffamilymembersthat arerequiredtomeetthedeductibleamountandinsteadhaveanothertypeoflimit,suchasaper-personamountwithatotaldollaramountlimit. These responsesareincludedintheaveragesanddistributionsforseparatefamilydeductiblesandout-of-pocketmaximums. The Kaiser Family Foundation and Health Research & Educational Trust / Page 112