Kaider Family Foundation - The percent of covered workers enrolled in a plan with a general annual deductible has increased significantly over time. In 2006, just over half of covered workers had a deductible for single coverage, compared with almost three-quarters in 2012.
Overall, the average general annual deductible is $1,097 for covered
workers enrolled in a single coverage plan requiring a deductible; an
increase of 88% since 2006.
Although workers at small firms are no more likely to be enrolled in
health coverage that includes a deductible, they typically face much
higher deductibles than workers at large firms. The average deductible
for covered workers enrolled in single coverage at a small firm is
nearly twice as much as the deductible for covered workers at larger
In addition to contributing more towards premiums, covered workers
are increasingly faced with higher cost sharing. A larger proportion of
workers are required to meet a deductible prior to utilizing services
and these deductibles are increasing in size. It has become commonplace
for covered workers to be enrolled in a plan with a deductible of
$1,000 or more. While many working families have sufficient savings and
coverage in case of a medical emergency, the growth in workers’
contributions and cost sharing may increasingly become a financial
strain on some households.