Stories

What people think of high deductibles — and what surveys don’t tell you

We got a lot of feedback on an item last week about the premiums and deductibles in employer-sponsored health plans — the two kinds of health costs most of us face. It's clear that more people are facing high deductibles, and a lot of people don't like them, for obvious reasons: No one wants to pay more out of pocket when they have urgent medical needs.

Deeper dive: Turns out, though, that they're not as unpopular as they used to be. The Employee Benefit Research Institute has been conducting surveys of employees' attitudes toward high deductibles for about a decade. Those kinds of health plans are still less popular than traditional kinds of health plans, like PPOs and HMOs — but the margin isn't as lopsided as it was a decade ago.

Note: High-deductible and consumer-driven plans both have high deductibles. CDHP plans include a health savings account or reimbursement arrangement. HDHP plans do not;

Data: Employee Benefit Research Institute; Chart: Chris Canipe / Axios