High-Deductible Health Plans Continue to Grow in Popularity, but Are They Right for You? – ValuePenguin

These plans must have a deductible of at least $1,400 for an individual or $2,800 for a family to meet the 2022 definition of an HDHP. The total out-of-pocket expenses can’t be more than $7,050 or $14,100, respectively.

On a national level, HDHPs are becoming more common, with more than half of Americans who have access to such a plan through their employer taking up the deal.

The chart below delineates the increasing popularity of HDHPs on a national level, looking at figures since 2015.

Year% with HDHPYear% with HDHP201539.4%201849.1%201642.6%201950.5%201748.7%202052.9%

(Of importance, the figures in this study don’t include consumers who purchase their health insurance on the public market, but only those covered by an employer-sponsored health care plan offered through their employer.)

Although there’s a clear rise on a national level, the trends vary significantly by state. North Carolina leads the pack, with 69.5% of its privately insured employees enrolled in HDHPs, followed by states scattered across the nation and political spectrum.

RankState% with HDHPRankState% with HDHP1North Carolina69.5%6Missouri63.2%2New Hampshire68.0%7West Virginia62.9%3Kentucky66.2%8Minnesota62.5%4Arizona64.9%9Utah62.4%5Indiana64.7%10South Dakota62.3%

At the other end of the spectrum, certain states’ residents seem more resistant to hopping aboard the HDHP train. Hawaii — in particular — is a standout, with only 17.6% of its population of employer-sponsored health care consumers opting for HDHPs, followed by the District of Columbia (33.8%), Alabama (38.8%), and New York (40.5%).

RankState% with HDHPRankState% with HDHP1Hawaii17.6%6Mississippi45.9%2District of Columbia33.8%7Massachusetts45.9%3Alabama38.8%8Louisiana45.9%4New York40.5%9Maryland47.0%5California42.8%10Pennsylvania47.2%

Again, states and districts on the lower end of the HDHP enrollment spectrum are disparate in geographical location and political leaning, though many of them — aside from Hawaii and California — seem to be concentrated in the eastern half of the country.

Full rankings

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The total out-of-pocket expenses can’t be more than $7,050 or $14,100, respectively.u003C/pu003Ennu003Cpu003Enu003C/divu003Enu003C/pu003Ennu003Cpu003EOn a national level, HDHPs are becoming more common, with more than half of Americans who have access to such a plan through their employer taking up the deal.u003C/pu003Ennu003Cpu003EThe chart below delineates the increasing popularity of HDHPs on a national level, looking at figures since 2015.u003C/pu003Ennu003Cpu003Eu003Cdiv class=”ReactComponent–root”u003En u003Cdiv class=”js-react-component-rendered js-react-component-SortableTable” data-component-name=”SortableTable”u003En u003Cdiv class=”StyledRootWrapper-sc-3qeib4 jYHfZo”u003Eu003Cdiv class=”StyledTableWrapper-sc-5nmmx9 fesmOM”u003Eu003Cdiv class=”StyledTableOverflowWrapper-sc-hixhp9 gVbnK”u003Eu003Ctable class=”StyledTable-sc-ujzn9t jVpJxq”u003Eu003Cthead class=”StyledHeaderRow-sc-1m1b8dn hCELBb”u003Eu003Ctru003Eu003Cth colSpan=”4″ width=”25%” class=”StyledHeaderCell-sc-nsptsd dktvfb”u003Eu003Cdiv class=”StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA”u003Eu003Cspanu003EHigh-deductible health plan coverage, nationallyu003C/spanu003Eu003C/divu003Eu003C/thu003Eu003C/tru003Eu003C/theadu003Eu003Ctbody class=”StyledBody-sc-14y8oc0 dcdMVT”u003Eu003Ctru003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”25%” class=”StyledBodyCell-sc-5cu9ee bEfFUh”u003Eu003Cstrongu003EYearu003C/strongu003Eu003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”25%” class=”StyledBodyCell-sc-5cu9ee bGuMza”u003Eu003Cstrongu003E% with HDHPu003C/strongu003Eu003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”25%” class=”StyledBodyCell-sc-5cu9ee bEfFUh”u003Eu003Cstrongu003EYearu003C/strongu003Eu003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”25%” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003Eu003Cstrongu003E% with HDHPu003C/strongu003Eu003C/tdu003Eu003C/tru003Eu003Ctru003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”25%” class=”StyledBodyCell-sc-5cu9ee bEfFUh”u003E2015u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”25%” class=”StyledBodyCell-sc-5cu9ee bGuMza”u003E39.4%u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”25%” class=”StyledBodyCell-sc-5cu9ee bEfFUh”u003E2018u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”25%” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E49.1%u003C/tdu003Eu003C/tru003Eu003Ctru003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”25%” class=”StyledBodyCell-sc-5cu9ee bEfFUh”u003E2016u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”25%” class=”StyledBodyCell-sc-5cu9ee bGuMza”u003E42.6%u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”25%” class=”StyledBodyCell-sc-5cu9ee bEfFUh”u003E2019u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”25%” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E50.5%u003C/tdu003Eu003C/tru003Eu003Ctru003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”25%” class=”StyledBodyCell-sc-5cu9ee bEfFUh”u003E2017u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”25%” class=”StyledBodyCell-sc-5cu9ee bGuMza”u003E48.7%u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”25%” class=”StyledBodyCell-sc-5cu9ee bEfFUh”u003E2020u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”25%” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E52.9%u003C/tdu003Eu003C/tru003Eu003C/tbodyu003Eu003C/tableu003Eu003C/divu003Eu003C/divu003Eu003C/divu003En u003C/divu003Enn u003Cscript type=”application/json” class=”js-react-component” data-component-name=”SortableTable”u003E{“alignsHorizontal”:[“left”,”right”,”left”,”right”],”alignsVertical”:[“top”,”top”,”top”],”columnWidths”:[“25%”,”25%”,”25%”,”25%”],”data”:[[“High-deductible health plan coverage, nationally”,”<<<“,”<<<“,”<<<“],[“u003Cstrongu003EYearu003C/strongu003E”,”u003Cstrongu003E% with HDHPu003C/strongu003E”,”u003Cstrongu003EYearu003C/strongu003E”,”u003Cstrongu003E% with HDHPu003C/strongu003E”],[“2015″,”39.4%”,”2018″,”49.1%”],[“2016″,”42.6%”,”2019″,”50.5%”],[“2017″,”48.7%”,”2020″,”52.9%”]],”footnote”:””,”hideHeaderRow”:false,”hasMarginBottom”:true,”isExpandable”:false,”isSortable”:false,”maxWidth”:”1215″,”minWidth”:”100%”,”showSearch”:false,”sortColumnIndex”:0,”sortDirection”:”asc”}u003C/scriptu003Ennu003C/divu003Eu003C/pu003Ennu003Cpu003E(Of importance, the figures in this study don’t include consumers who purchase their health insurance on the public market, but only those covered by an employer-sponsored health care plan offered through their employer.)u003C/pu003Ennu003Cpu003EAlthough there’s a clear rise on a national level, the trends vary significantly by state. North Carolina leads the pack, with 69.5% of its privately insured employees enrolled in HDHPs, followed by states scattered across the nation and political spectrum.u003C/pu003Ennu003Cpu003Eu003Cdiv class=”ReactComponent–root”u003En u003Cdiv class=”js-react-component-rendered js-react-component-SortableTable” data-component-name=”SortableTable”u003En u003Cdiv class=”StyledRootWrapper-sc-3qeib4 jYHfZo”u003Eu003Cdiv class=”StyledTableWrapper-sc-5nmmx9 fesmOM”u003Eu003Cdiv class=”StyledTableOverflowWrapper-sc-hixhp9 gVbnK”u003Eu003Ctable class=”StyledTable-sc-ujzn9t jVpJxq”u003Eu003Cthead class=”StyledHeaderRow-sc-1m1b8dn hCELBb”u003Eu003Ctru003Eu003Cth colSpan=”6″ width=”10%” class=”StyledHeaderCell-sc-nsptsd eWikhN”u003Eu003Cdiv class=”StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA”u003Eu003Cspanu003EStates with highest rate of private employees enrolled in HDHPsu003C/spanu003Eu003C/divu003Eu003C/thu003Eu003C/tru003Eu003C/theadu003Eu003Ctbody class=”StyledBody-sc-14y8oc0 dcdMVT”u003Eu003Ctru003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”10%” class=”StyledBodyCell-sc-5cu9ee bEfFUh”u003Eu003Cstrongu003ERanku003C/strongu003Eu003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”25%” class=”StyledBodyCell-sc-5cu9ee bEfFUh”u003Eu003Cstrongu003EStateu003C/strongu003Eu003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”15%” class=”StyledBodyCell-sc-5cu9ee bGuMza”u003Eu003Cstrongu003E% with HDHPu003C/strongu003Eu003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”10%” class=”StyledBodyCell-sc-5cu9ee bEfFUh”u003Eu003Cstrongu003ERanku003C/strongu003Eu003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”25%” class=”StyledBodyCell-sc-5cu9ee bEfFUh”u003Eu003Cstrongu003EStateu003C/strongu003Eu003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”15%” class=”StyledBodyCell-sc-5cu9ee bGuMza”u003Eu003Cstrongu003E% with HDHPu003C/strongu003Eu003C/tdu003Eu003C/tru003Eu003Ctru003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”10%” class=”StyledBodyCell-sc-5cu9ee 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class=”StyledBodyCell-sc-5cu9ee bEfFUh”u003E10u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”25%” class=”StyledBodyCell-sc-5cu9ee bEfFUh”u003ESouth Dakotau003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”15%” class=”StyledBodyCell-sc-5cu9ee bGuMza”u003E62.3%u003C/tdu003Eu003C/tru003Eu003C/tbodyu003Eu003C/tableu003Eu003C/divu003Eu003C/divu003Eu003C/divu003En u003C/divu003Enn u003Cscript type=”application/json” class=”js-react-component” data-component-name=”SortableTable”u003E{“alignsHorizontal”:[“left”,”left”,”right”,”left”,”left”,”right”],”alignsVertical”:[“top”,”top”,”top”,”top”,”top”,”top”],”columnWidths”:[“10%”,”25%”,”15%”,”10%”,”25%”,”15%”],”data”:[[“States with highest rate of private employees enrolled in HDHPs”,”<<<“,”<<<“,”<<<“,”<<<“,”<<<“],[“u003Cstrongu003ERanku003C/strongu003E”,”u003Cstrongu003EStateu003C/strongu003E”,”u003Cstrongu003E% with HDHPu003C/strongu003E”,”u003Cstrongu003ERanku003C/strongu003E”,”u003Cstrongu003EStateu003C/strongu003E”,”u003Cstrongu003E% with HDHPu003C/strongu003E”],[“1″,”North Carolina”,”69.5%”,”6″,”Missouri”,”63.2%”],[“2″,”New Hampshire”,”68.0%”,”7″,”West Virginia”,”62.9%”],[“3″,”Kentucky”,”66.2%”,”8″,”Minnesota”,”62.5%”],[“4″,”Arizona”,”64.9%”,”9″,”Utah”,”62.4%”],[“5″,”Indiana”,”64.7%”,”10″,”South Dakota”,”62.3%”]],”footnote”:””,”hideHeaderRow”:false,”hasMarginBottom”:true,”isExpandable”:false,”isSortable”:false,”maxWidth”:”1215″,”minWidth”:”100%”,”showSearch”:false,”sortColumnIndex”:0,”sortDirection”:”asc”}u003C/scriptu003Ennu003C/divu003Eu003C/pu003Ennu003Cpu003EAt the other end of the spectrum, certain states’ residents seem more resistant to hopping aboard the HDHP train. Hawaii u2014 in particular u2014 is a standout, with only 17.6% of its population of employer-sponsored health care consumers opting for HDHPs, followed by the District of Columbia (33.8%), Alabama (38.8%), and New York (40.5%).u003C/pu003Ennu003Cpu003Eu003Cdiv class=”ReactComponent–root”u003En u003Cdiv class=”js-react-component-rendered js-react-component-SortableTable” data-component-name=”SortableTable”u003En u003Cdiv class=”StyledRootWrapper-sc-3qeib4 jYHfZo”u003Eu003Cdiv class=”StyledTableWrapper-sc-5nmmx9 fesmOM”u003Eu003Cdiv class=”StyledTableOverflowWrapper-sc-hixhp9 gVbnK”u003Eu003Ctable class=”StyledTable-sc-ujzn9t jVpJxq”u003Eu003Cthead class=”StyledHeaderRow-sc-1m1b8dn hCELBb”u003Eu003Ctru003Eu003Cth colSpan=”6″ width=”10%” class=”StyledHeaderCell-sc-nsptsd eWikhN”u003Eu003Cdiv class=”StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA”u003Eu003Cspanu003EStates with lowest rate of private employees enrolled in 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class=”StyledBodyCell-sc-5cu9ee bGuMza”u003E45.9%u003C/tdu003Eu003C/tru003Eu003Ctru003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”10%” class=”StyledBodyCell-sc-5cu9ee bEfFUh”u003E4u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”25%” class=”StyledBodyCell-sc-5cu9ee bEfFUh”u003ENew Yorku003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”15%” class=”StyledBodyCell-sc-5cu9ee bGuMza”u003E40.5%u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”10%” class=”StyledBodyCell-sc-5cu9ee bEfFUh”u003E9u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”25%” class=”StyledBodyCell-sc-5cu9ee bEfFUh”u003EMarylandu003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”15%” class=”StyledBodyCell-sc-5cu9ee bGuMza”u003E47.0%u003C/tdu003Eu003C/tru003Eu003Ctru003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”10%” class=”StyledBodyCell-sc-5cu9ee bEfFUh”u003E5u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”25%” class=”StyledBodyCell-sc-5cu9ee bEfFUh”u003ECaliforniau003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”15%” class=”StyledBodyCell-sc-5cu9ee bGuMza”u003E42.8%u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”10%” class=”StyledBodyCell-sc-5cu9ee bEfFUh”u003E10u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”25%” class=”StyledBodyCell-sc-5cu9ee bEfFUh”u003EPennsylvaniau003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”15%” class=”StyledBodyCell-sc-5cu9ee bGuMza”u003E47.2%u003C/tdu003Eu003C/tru003Eu003C/tbodyu003Eu003C/tableu003Eu003C/divu003Eu003C/divu003Eu003C/divu003En u003C/divu003Enn u003Cscript type=”application/json” class=”js-react-component” data-component-name=”SortableTable”u003E{“alignsHorizontal”:[“left”,”left”,”right”,”left”,”left”,”right”],”alignsVertical”:[“top”,”top”,”top”,”top”,”top”,”top”],”columnWidths”:[“10%”,”25%”,”15%”,”10%”,”25%”,”15%”],”data”:[[“States with lowest rate of private employees enrolled in HDHPs”,”<<<“,”<<<“,”<<<“,”<<<“,”<<<“],[“u003Cstrongu003ERanku003C/strongu003E”,”u003Cstrongu003EStateu003C/strongu003E”,”u003Cstrongu003E% with HDHPu003C/strongu003E”,”u003Cstrongu003ERanku003C/strongu003E”,”u003Cstrongu003EStateu003C/strongu003E”,”u003Cstrongu003E% with HDHPu003C/strongu003E”],[“1″,”Hawaii”,”17.6%”,”6″,”Mississippi”,”45.9%”],[“2″,”District of Columbia”,”33.8%”,”7″,”Massachusetts”,”45.9%”],[“3″,”Alabama”,”38.8%”,”8″,”Louisiana”,”45.9%”],[“4″,”New York”,”40.5%”,”9″,”Maryland”,”47.0%”],[“5″,”California”,”42.8%”,”10″,”Pennsylvania”,”47.2%”]],”footnote”:””,”hideHeaderRow”:false,”hasMarginBottom”:true,”isExpandable”:false,”isSortable”:false,”maxWidth”:”1215″,”minWidth”:”100%”,”showSearch”:false,”sortColumnIndex”:0,”sortDirection”:”asc”}u003C/scriptu003Ennu003C/divu003Eu003C/pu003Ennu003Cpu003EAgain, states and districts on the lower end of the HDHP enrollment spectrum are disparate in geographical location and political leaning, though many of them u2014 aside from Hawaii and California u2014 seem to be concentrated in the eastern half of the country.u003C/pu003Ennu003Ch3u003EFull rankingsu003C/h3u003Ennu003Cpu003Eu003Cdiv class=”infogram-embed” data-id=”_/UpZDPmaSouGv9YuKa5WA” data-type=”interactive” data-title=”State-by-state percentage of employed workforce enrolled in a HDHP 2021″u003Eu003C/divu003Eu003Cscriptu003E!function(e,i,n,s){var t=”InfogramEmbeds”,d=e.getElementsByTagName(“script”)[0];if(window[t]&&window[t].initialized)window[t].process&&window[t].process();else if(!e.getElementById(n)){var o=e.createElement(“script”);o.async=1,o.id=n,o.src=”https://e.infogram.com/js/dist/embed-loader-min.js”,d.parentNode.insertBefore(o,d)}}(document,0,”infogram-async”);u003C/scriptu003Enu003C/pu003Ennu003Cpu003E”,”padding”:”double”}