NCHS Data Briefs

Data Brief, No. 317. High-deductible Health Plan Enrollment Among Adults Aged 18–64 With Employment-based Insurance Coverage.

This data brief examines enrollment among adults aged 18–64 with employment-based private health insurance coverage by plan type and demographic characteristics. Approximately 60% of adults aged 18–64 have employment-based coverage. Enrollment in HDHPs with and without HSAs among adults aged 18–64 with employment-based coverage increased from 2007 through 2017. Sociodemographic and socioeconomic factors were associated with enrollment in HDHPs with and without HSAs among adults aged 18–64 with employment-based coverage. In 2017, adults aged 30–44 were more likely to be enrolled in an HDHP with an HSA than those aged 18–29 and 45–64. However, no differences by age were observed for enrollment in HDHPs without an HSA or traditional plans. More highly educated and affluent adults were more likely to be enrolled in an HDHP with an HSA and less likely to be enrolled in a traditional plan or an HDHP without an HSA than their less educated and less affluent counterparts. More than 60% of adults aged 18–64 in the United States obtain their private health insurance coverage through the workplace. The change in HDHP enrollment has been faster among those with employment-based coverage than among those with directly purchased coverage. Data from the National Health Interview Survey (NHIS) were used for these analyses.

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