Increasing consumer cost-sharing (eg, deductibles, copayments) is a frequently used strategy to minimize the growth of health insurance premiums due to escalating health care expenditures. The 2016 National Health Interview Survey reports that 40.0% of those younger than 65 years with private health insurance are enrolled in a high-deductible health plan (HDHP), a sharp increase from 25.3% in 2010.1 Similarly, a 2016 Kaiser Family Foundation survey shows that the average health plan deductible has increased from $818 in 2006 to $2069 in 2015.2 People enrolled in plans with a deductible are required to pay the full cost of most medical care until the plan deductible is met.
Fendrick AM, Chernew ME. Precision Benefit Design—Using “Smarter” Deductibles to Better Engage Consumers and Mitigate Cost-Related Nonadherence. JAMA Intern Med. Published online January 09, 2017. doi:10.1001/jamainternmed.2016.8747