Deductibles for Employer-Sponsored Health Insurance in the Private Sector, by Firm Size Classification, 2002-2005

Source: Agency for Healthcare Research and Quality

In recent years, premiums for employer-sponsored health insurance have risen dramatically. However, premium costs are only one of several factors that determine costs of health care for enrollees. Other factors, such as whether an enrollee has a deductible and its amount, also contribute to differences in cost of care.

This Statistical Brief examines what percentage of enrollees had a deductible and the amount of such deductibles. Using private sector estimates from the Insurance Component of the Medical Expenditure Panel Survey, data for 2002 are compared to those for 2005. Estimates for small firms (fewer than 50 employees) and large firms (50 or more employees) are analyzed.

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