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Policy Changes Bring Renewed Focus on High-Deductible Health Plans

Policy changes, anticipated increases in premium costs for enrollees, and new standards for health savings accounts may encourage consumers to seek out plans with lower premiums but higher deductibles. This issue brief explores the features of bronze and catastrophic plans, coverage and costs, and the complicated choices consumers face.

Health Insurer Financial Performance in 2024

Examining Short-Term Limited-Duration Health Plans

Health Savings Account Provisions in the 2025 Tax and Spending Law

Consumer Experiences with Health Insurance

Health Care Affordability

BTD Health Policy in 2026

Health Policy in 2026

President and CEO Dr. Drew Altman forecasts eight things to look for in health policy in 2026. “First and foremost,” he writes, “is the role health care affordability will play in the midterms.” And, he notes: “The average cost of a family policy for employers could approach $30,000 and cost sharing and deductibles will rise again after plateauing for several years.”

View all of Drew’s Beyond the Data Columns

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  • Web Briefing for Media: 2018 Employer Health Benefits Survey

    Event Date:
    Event

    The Kaiser Family Foundation held a reporters-only web briefing on Oct. 3, 2018, to release the 2018 benchmark Employer Health Benefits Survey. This 20th annual survey provides a detailed look at the current state of employer-based coverage and trends in private health insurance for both large and small firms.

  • Premiums for Employer-Sponsored Family Health Coverage Rise 5% to Average $19,616; Single Premiums Rise 3% to $6,896  

    News Release

    1 in 5 Large Employers Gather Data from Workers’ Mobile Apps, FitBits or Other Wearable Devices San Francisco, Calif. – Annual family premiums for employer-sponsored health insurance rose 5 percent to average $19,616 this year, extending a seven-year run of moderate increases, finds the 2018 benchmark Kaiser Family Foundation Employer Health Benefits Survey released today.

  • 2018 Employer Health Benefits Survey

    Report

    Annual premiums for employer-sponsored family health coverage reached $19,616 this year, up 5% from last year, with workers on average paying $5,547 toward the cost of their coverage. The average deductible among covered workers in a plan with a general annual deductible is $1,573 for single coverage. Fifty-six percent of small firms and 98% of large firms offer health benefits to at least some of their workers, with an overall offer rate of 57%.

  • Corporate health costs don’t look like a crisis

    From Drew Altman

    n this Axios column, Drew Altman presents a puzzle around corporate health costs: companies are talking like there is a crisis, but new data doesn’t really show it.

  • Mapping Pre-existing Conditions across the U.S.

    Issue Brief

    This brief estimates the share of adults with pre-existing conditions by metropolitan and micropolitan statistical area (MMSA), and finds that in some areas, nearly four in ten have so-called declinable medical conditions that could lead to denials of individual insurance coverage based on pre-ACA underwriting guidelines.

  • An analysis of out-of-network claims in large employer health plans

    Issue Brief

    A new Kaiser Family Foundation brief examines out-of-network claims in large employer plans, and finds that a significant share of inpatient hospital admissions includes bills from out-of-network providers, often leaving patients exposed to "surprise medical bills" and high out-of-pocket costs.