More and more companies are turning to consumer-driven health plans to try and contain relentless increases to the cost of health care. But the hardest part is trying to determine how high deductibles should be.
These new benchmarks from the Employer Health Benefits 2009 Annual Survey conducted by the Kaiser Family Foundation and the Health Research and Educational Trust can give you an idea where to start:
- The average annual deductible for single coverage in health savings account-qualified high-deductible health plans is $1,922.
- 27% of workers enrolled in these plans for single coverage have a deductible between $1,150 (the minimum for an individual) and $1,499.
- 10% have a deductible of $3,000 or more.
- 90% of workers enrolled in these plans do not have to meet the annual deductible before preventative care is covered.
