Average Annual Deductible per Enrolled Employee in Employer-Based Health Insurance for Single and Family Coverage
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2024
Location Average Family Deductible Average Single Deductible
United States 4063 2085 Alabama 3235 1865 Alaska 3516 1857 Arizona 4430 2203 Arkansas 4287 2026 California 3882 1787 Colorado 5066 2404 Connecticut 4305 2301 Delaware 3056 2004 District of Columbia 3049 1409 Florida 4182 2171 Georgia 4793 2405 Hawaii 3281 1275 Idaho 3896 2479 Illinois 3675 1754 Indiana 4114 2117 Iowa 4140 2232 Kansas 4231 2266 Kentucky 4601 2242 Louisiana 3910 1863 Maine 4825 2455 Maryland 3556 1934 Massachusetts 3756 1700 Michigan 3770 1862 Minnesota 4142 2512 Mississippi 3739 1776 Missouri 4389 2326 Montana 4755 2579 Nebraska 4510 2387 Nevada 6124 2785 New Hampshire 4335 2343 New Jersey 3351 1744 New Mexico 4331 2355 New York 3388 1859 North Carolina 4545 2279 North Dakota 4481 2180 Ohio 4358 2278 Oklahoma 4308 2252 Oregon 3595 1947 Pennsylvania 3893 2078 Rhode Island 4324 2110 South Carolina 4209 2274 South Dakota 4691 2666 Tennessee 4615 2321 Texas 4176 2273 Utah 4321 2127 Vermont 4932 2195 Virginia 3909 2064 Washington 3094 1646 West Virginia 3758 2129 Wisconsin 4277 2217 Wyoming 4457 2322
2023
Location Average Family Deductible Average Single Deductible
United States $3,733 $1,930 Alabama $3,916 $1,667 Alaska $3,272 $1,838 Arizona $3,997 $1,880 Arkansas $3,073 $1,728 California $3,167 $1,490 Colorado $3,713 $2,085 Connecticut $4,094 $2,383 Delaware $3,859 $1,939 District of Columbia $2,830 $1,328 Florida $3,751 $1,812 Georgia $4,259 $2,275 Hawaii $2,683 $1,059 Idaho $3,229 $1,816 Illinois $3,975 $1,816 Indiana $3,830 $2,081 Iowa $4,244 $2,312 Kansas $4,422 $2,209 Kentucky $3,926 $2,128 Louisiana $3,703 $1,928 Maine $3,835 $2,337 Maryland $3,684 $1,806 Massachusetts $3,128 $1,555 Michigan $3,194 $1,405 Minnesota $4,071 $2,181 Mississippi $3,378 $2,035 Missouri $3,783 $2,340 Montana $3,100 $2,279 Nebraska $4,437 $2,239 Nevada $3,943 $1,870 New Hampshire $4,287 $2,519 New Jersey $3,709 $1,747 New Mexico $3,927 $1,992 New York $3,672 $1,722 North Carolina $4,141 $2,261 North Dakota $3,634 $1,922 Ohio $3,886 $2,102 Oklahoma $4,545 $2,244 Oregon $3,322 $1,776 Pennsylvania $2,665 $1,610 Rhode Island $3,720 $1,938 South Carolina $4,337 $2,295 South Dakota $5,004 $2,616 Tennessee $4,234 $2,561 Texas $4,317 $2,350 Utah $4,153 $2,222 Vermont $4,484 $2,491 Virginia $3,189 $1,752 Washington $3,627 $1,964 West Virginia $4,457 $1,931 Wisconsin $3,921 $2,161 Wyoming $3,097 $1,893
2022
Location Average Family Deductible Average Single Deductible
United States $3,811 $1,992 Alabama $3,180 $1,779 Alaska $3,554 $2,215 Arizona $4,257 $2,079 Arkansas $3,262 $1,890 California $3,659 $1,808 Colorado $4,211 $2,036 Connecticut $4,053 $2,259 Delaware $3,398 $2,053 District of Columbia $3,009 $1,343 Florida $3,264 $1,856 Georgia $4,435 $2,269 Hawaii $3,527 $1,352 Idaho $3,321 $2,077 Illinois $3,943 $1,777 Indiana $4,374 $2,277 Iowa $4,246 $2,352 Kansas $3,740 $1,856 Kentucky $3,827 $2,162 Louisiana $3,500 $1,861 Maine $4,415 $2,771 Maryland $3,382 $1,714 Massachusetts $3,680 $1,862 Michigan $3,671 $1,614 Minnesota $3,767 $2,083 Mississippi $4,257 $2,052 Missouri $3,670 $1,898 Montana $3,394 $2,484 Nebraska $4,236 $2,069 Nevada $3,111 $1,557 New Hampshire $4,715 $2,497 New Jersey $3,776 $1,865 New Mexico $3,185 $1,951 New York $3,535 $1,840 North Carolina $3,945 $2,247 North Dakota $3,950 $2,217 Ohio $4,123 $2,126 Oklahoma $4,656 $1,985 Oregon $3,994 $2,110 Pennsylvania $3,301 $1,814 Rhode Island $3,867 $1,858 South Carolina $4,395 $2,167 South Dakota $4,858 $2,423 Tennessee $3,832 $2,053 Texas $4,084 $2,282 Utah $3,942 $2,089 Vermont $3,985 $2,215 Virginia $3,852 $2,082 Washington $3,726 $1,949 West Virginia $4,095 $2,165 Wisconsin $4,175 $2,197 Wyoming $3,746 $2,160
2021
Location Average Family Deductible Average Single Deductible
United States 3868 2004 Alabama 3366 1620 Alaska 3427 1746 Arizona 4257 2324 Arkansas 3605 1876 California 3643 1698 Colorado 4684 2301 Connecticut 4436 2174 Delaware 3520 1938 District of Columbia 2998 1338 Florida 4057 2185 Georgia 4353 2082 Hawaii 2570 1232 Idaho 3645 2063 Illinois 3645 1871 Indiana 4240 2268 Iowa 3702 2179 Kansas 3601 1998 Kentucky 3866 2154 Louisiana 4288 1973 Maine 4459 2613 Maryland 3595 1735 Massachusetts 3779 1898 Michigan 3163 1751 Minnesota 4254 2163 Mississippi 3559 1794 Missouri 4163 2089 Montana 3440 2409 Nebraska 3682 1995 Nevada 3873 1935 New Hampshire 4562 2550 New Jersey 3122 1675 New Mexico 4075 1844 New York 3657 1775 North Carolina 4361 2293 North Dakota 3300 2081 Ohio 4301 2195 Oklahoma 4146 1974 Oregon 3490 2381 Pennsylvania 3498 1863 Rhode Island 3662 1963 South Carolina 4029 2158 South Dakota 3833 2512 Tennessee 4591 2316 Texas 3956 2025 Utah 3890 1872 Vermont 4127 2159 Virginia 4149 2107 Washington 3502 1937 West Virginia 3649 1923 Wisconsin 4443 2262 Wyoming 3954 1896
2020
Location Average Family Deductible Average Single Deductible
United States 3722 1945 Alabama 2979 1573 Alaska 3905 2102 Arizona 4992 2161 Arkansas 3554 1820 California 3420 1718 Colorado 4417 2053 Connecticut 3520 1976 Delaware 3593 1897 District of Columbia 3010 1432 Florida 3894 2147 Georgia 4307 1987 Hawaii 3248 1346 Idaho 3414 2058 Illinois 3723 1802 Indiana 4193 2164 Iowa 4128 2140 Kansas 3765 2017 Kentucky 4011 2190 Louisiana 3937 1818 Maine 3198 2295 Maryland 3380 1610 Massachusetts 3355 1636 Michigan 3217 1697 Minnesota 4581 2310 Mississippi 3361 1841 Missouri 4128 2195 Montana 3807 2517 Nebraska 4075 2115 Nevada 3556 1820 New Hampshire 4464 2415 New Jersey 3436 1694 New Mexico 4149 2080 New York 3207 1821 North Carolina 3879 2263 North Dakota 3521 1840 Ohio 3671 2003 Oklahoma 4126 2029 Oregon 3480 2068 Pennsylvania 3177 1674 Rhode Island 3566 1949 South Carolina 3607 2032 South Dakota 4301 2364 Tennessee 3778 2153 Texas 4029 2153 Utah 3948 1856 Vermont 3770 2059 Virginia 3386 1844 Washington 3265 1740 West Virginia 4083 2010 Wisconsin 4180 2267 Wyoming 4228 1899
2019
Location Average Family Deductible Average Single Deductible
United States 3655 1931 Alabama 3029 1616 Alaska 3626 1869 Arizona 4017 2418 Arkansas 3586 1839 California 3329 1675 Colorado 3469 1907 Connecticut 4199 2289 Delaware 3002 1703 District of Columbia 2679 1306 Florida 3632 1993 Georgia 3659 1914 Hawaii 2619 1264 Idaho 3499 1933 Illinois 3849 1876 Indiana 3937 2122 Iowa 4064 2202 Kansas 3607 1904 Kentucky 3798 2101 Louisiana 4299 2037 Maine 3994 2303 Maryland 3009 1673 Massachusetts 3151 1593 Michigan 2856 1579 Minnesota 4160 2272 Mississippi 3468 1587 Missouri 4222 2160 Montana 3842 2521 Nebraska 3799 2042 Nevada 3100 1810 New Hampshire 4379 2386 New Jersey 3456 1713 New Mexico 3992 2011 New York 2899 1655 North Carolina 4005 2281 North Dakota 3980 1950 Ohio 4132 2101 Oklahoma 4053 2165 Oregon 3634 1958 Pennsylvania 2981 1646 Rhode Island 4031 1983 South Carolina 4155 2151 South Dakota 4222 2408 Tennessee 4615 2334 Texas 4174 2155 Utah 3842 1781 Vermont 3330 1935 Virginia 3313 1688 Washington 3435 1793 West Virginia 3645 1959 Wisconsin 3904 2061 Wyoming 3579 1895
2018
Location Average Family Deductible Average Single Deductible
United States 3392 1846 Alabama 2924 1569 Alaska 3225 1797 Arizona 3926 2166 Arkansas 3144 1501 California 3231 1680 Colorado 4011 2005 Connecticut 3784 2322 Delaware 3285 1710 District of Columbia 2362 1308 Florida 3674 1963 Georgia 3661 1917 Hawaii 3240 1308 Idaho 3249 1894 Illinois 3324 1752 Indiana 3199 1873 Iowa 3657 2130 Kansas 3398 1715 Kentucky 3248 1833 Louisiana 3383 1656 Maine 3895 2447 Maryland 2943 1511 Massachusetts 2729 1454 Michigan 3062 1732 Minnesota 4033 2045 Mississippi 3707 1695 Missouri 3539 1931 Montana 3498 2116 Nebraska 3272 1842 Nevada 3710 2001 New Hampshire 4644 2337 New Jersey 3614 1770 New Mexico 3021 1615 New York 2888 1554 North Carolina 3752 2070 North Dakota 3574 1742 Ohio 3738 1932 Oklahoma 3201 1683 Oregon 3348 1954 Pennsylvania 2994 1831 Rhode Island 3795 1849 South Carolina 3124 1721 South Dakota 4002 2241 Tennessee 3879 2235 Texas 3547 1982 Utah 3164 1451 Vermont 3686 2192 Virginia 3043 1886 Washington 3139 1706 West Virginia 2923 1885 Wisconsin 3619 1914 Wyoming 3902 1999
2017
Location Average Family Deductible Average Single Deductible
United States 3396 1808 Alabama 2238 1243 Alaska 3252 1856 Arizona 3483 1985 Arkansas 3207 1384 California 3184 1772 Colorado 3721 1951 Connecticut 4008 1924 Delaware 3676 1821 District of Columbia 2571 1360 Florida 4044 1954 Georgia 3735 1889 Hawaii 1819 863 Idaho 2825 1778 Illinois 3048 1693 Indiana 4020 1797 Iowa 3427 1842 Kansas 3450 1623 Kentucky 3517 1878 Louisiana 2760 1607 Maine 4032 2305 Maryland 2807 1536 Massachusetts 2747 1479 Michigan 2659 1567 Minnesota 3739 1966 Mississippi 3508 1739 Missouri 3618 2016 Montana 3326 2162 Nebraska 4299 1922 Nevada 3196 1654 New Hampshire 4381 2303 New Jersey 2827 1456 New Mexico 2792 1635 New York 3226 1687 North Carolina 3671 1975 North Dakota 3050 1499 Ohio 3371 1946 Oklahoma 3246 1596 Oregon 3395 1688 Pennsylvania 3082 1639 Rhode Island 3481 1808 South Carolina 3296 1684 South Dakota 3892 2019 Tennessee 3993 2086 Texas 3837 2158 Utah 3993 1815 Vermont 3632 1926 Virginia 3460 1771 Washington 2920 1463 West Virginia 3213 1829 Wisconsin 3745 1990 Wyoming 3028 1789
2016
Location Average Family Deductible Average Single Deductible
United States 3069 1696 Alabama 2193 1205 Alaska 2845 1707 Arizona 3652 1958 Arkansas 2632 1418 California 2790 1476 Colorado 3481 1880 Connecticut 4041 1959 Delaware 3112 1567 District of Columbia 2234 1181 Florida 3118 1694 Georgia 2950 1738 Hawaii 2358 988 Idaho 3410 1732 Illinois 2628 1474 Indiana 3391 1866 Iowa 2921 1659 Kansas 3056 1715 Kentucky 3520 1905 Louisiana 2738 1494 Maine 3714 2103 Maryland 3100 1727 Massachusetts 2746 1391 Michigan 2834 1379 Minnesota 3295 1782 Mississippi 3111 1709 Missouri 3773 2009 Montana 3590 2039 Nebraska 3424 1710 Nevada 2712 1634 New Hampshire 4992 2434 New Jersey 2689 1515 New Mexico 2724 1301 New York 3099 1789 North Carolina 3215 1963 North Dakota 2877 1695 Ohio 3119 1781 Oklahoma 3051 1787 Oregon 3988 1950 Pennsylvania 3030 1603 Rhode Island 2912 1583 South Carolina 3133 1719 South Dakota 3767 1889 Tennessee 3662 2142 Texas 3185 1872 Utah 2606 1438 Vermont 3145 1819 Virginia 2683 1523 Washington 2747 1379 West Virginia 3156 1758 Wisconsin 3534 1828 Wyoming 3024 1746
2015
Location Average Family Deductible Average Single Deductible
United States 2871 1541 Alabama 1775 1026 Alaska 2629 1616 Arizona 3005 1819 Arkansas 2628 1313 California 2699 1428 Colorado 3090 1680 Connecticut 3578 1733 Delaware 2034 1202 District of Columbia 1976 1108 Florida 3250 1691 Georgia 3145 1776 Hawaii 2275 986 Idaho 2823 1558 Illinois 2703 1323 Indiana 3175 1834 Iowa 3294 1614 Kansas 2242 1369 Kentucky 2658 1543 Louisiana 2628 1320 Maine 3637 2067 Maryland 2022 1128 Massachusetts 2363 1202 Michigan 2853 1431 Minnesota 3545 1819 Mississippi 2494 1470 Missouri 3163 1762 Montana 3234 2104 Nebraska 3204 1760 Nevada 1632 1087 New Hampshire 4143 1988 New Jersey 3098 1608 New Mexico 2764 1461 New York 2574 1317 North Carolina 3033 1794 North Dakota 2802 1354 Ohio 2643 1461 Oklahoma 2829 1639 Oregon 2462 1496 Pennsylvania 2740 1289 Rhode Island 3083 1400 South Carolina 2888 1767 South Dakota 3012 1725 Tennessee 3136 1836 Texas 3288 1802 Utah 3231 1549 Vermont 3471 1583 Virginia 2194 1162 Washington 2751 1426 West Virginia 2328 1423 Wisconsin 3497 1617 Wyoming 3639 1689
2014
Location Average Family Deductible Average Single Deductible
United States 2640 1353 Alabama 1936 925 Alaska 2641 1442 Arizona 3253 1651 Arkansas 2586 1233 California 2516 1270 Colorado 3095 1453 Connecticut 3080 1547 Delaware 2072 1106 District of Columbia 1514 766 Florida 2814 1447 Georgia 2598 1295 Hawaii 1242 637 Idaho 2996 1454 Illinois 2617 1279 Indiana 2516 1425 Iowa 2816 1424 Kansas 2675 1354 Kentucky 2738 1373 Louisiana 2586 1233 Maine 3207 2081 Maryland 2197 1010 Massachusetts 2377 1165 Michigan 2544 1280 Minnesota 2892 1419 Mississippi 2412 1454 Missouri 3092 1541 Montana 2862 1533 Nebraska 2641 1375 Nevada 2652 1374 New Hampshire 3944 1894 New Jersey 2482 1239 New Mexico 2681 1175 New York 2369 1212 North Carolina 2722 1515 North Dakota 2497 1167 Ohio 2575 1408 Oklahoma 2669 1491 Oregon 2647 1274 Pennsylvania 2429 1148 Rhode Island 2555 1363 South Carolina 2451 1343 South Dakota 3301 1619 Tennessee 3240 1883 Texas 2746 1515 Utah 2571 1238 Vermont 3029 1687 Virginia 2739 1303 Washington 2094 1075 West Virginia 2209 1231 Wisconsin 3011 1464 Wyoming 2541 1474
2013
Location Average Family Deductible Average Single Deductible
United States 2491 1273 Alabama 1611 670 Alaska 2295 1157 Arizona 2765 1441 Arkansas 1936 986 California 2386 1194 Colorado 2754 1382 Connecticut 2986 1598 Delaware 2340 1074 District of Columbia 1825 767 Florida 2642 1346 Georgia 2648 1164 Hawaii 1906 698 Idaho 2221 1295 Illinois 2584 1301 Indiana 2630 1274 Iowa 2563 1393 Kansas 2450 1377 Kentucky 2709 1491 Louisiana 2548 1137 Maine 2937 1784 Maryland 2027 1075 Massachusetts 2317 1134 Michigan 2064 1123 Minnesota 2520 1384 Mississippi 2474 1102 Missouri 2655 1374 Montana 2500 1633 Nebraska 2506 1220 Nevada 2624 1121 New Hampshire 3420 1621 New Jersey 2567 1311 New Mexico 2406 1123 New York 2273 1112 North Carolina 2556 1367 North Dakota 2095 1030 Ohio 2286 1293 Oklahoma 2963 1227 Oregon 2599 1295 Pennsylvania 1989 1108 Rhode Island 2382 1161 South Carolina 2466 1314 South Dakota 3001 1610 Tennessee 2846 1484 Texas 2900 1543 Utah 2656 1195 Vermont 2928 1727 Virginia 2273 1173 Washington 2571 1127 West Virginia 1874 1142 Wisconsin 2644 1335 Wyoming 2161 1173
Notes
The Medical Expenditure Panel Survey (MEPS) Insurance Component is an annual survey of establishments that collects information about employer-sponsored health insurance offerings in the United States.
Averages are for private-sector employees.
Sources
Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. Medical Expenditure Panel Survey Insurance Component. Data tool can be found here.
Definitions and descriptions of the methods used for this survey can be found in the <a href="http://meps.ahrq.gov/mepsweb/surveycomp/ic technical_notes.shtml">Technical Appendix.