Cohen Robin A, Zammitti Emily P
NCHS Data Brief. 2018 Aug(317):1-8.
High-deductible health plans (HDHPs) are health insurance policies with higher deductibles than traditional insurance plans. Individuals with HDHPs pay lower monthly insurance premiums but pay more out of pocket for medical expenses until their deductible is met. An HDHP may be used with or without a health savings account (HSA). An HSA allows pretax income to be saved to help pay for the higher costs associated with an HDHP (1). This report examines enrollment among adults aged 18-64 with employmentbased private health insurance coverage by plan type and demographic characteristics. Approximately 60% of adults aged 18-64 have employmentbased coverage (2). All estimates in this report are based on data from the National Health Interview Survey (NHIS).
高免赔额健康保险计划（HDHPs）是一种免赔额高于传统保险计划的健康保险政策。拥有高免赔额健康保险计划的个人每月支付的保险费较低，但在达到免赔额之前，需自掏腰包支付更多的医疗费用。高免赔额健康保险计划可以与健康储蓄账户（HSA）一起使用，也可以不使用。健康储蓄账户允许将税前收入储蓄起来，以帮助支付与高免赔额健康保险计划相关的更高费用（1）。本报告按计划类型和人口特征，对18 - 64岁有基于就业的私人医疗保险覆盖的成年人的参保情况进行了调查。大约60%的18 - 64岁成年人有基于就业的保险覆盖（2）。本报告中的所有估计均基于国家健康访谈调查（NHIS）的数据。
