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Employee Benefits Survey
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Table 11. Medical care benefits: High deductible and nonhigh deductible plans,(1) private industry workers, 2018
(All workers participating in medical care plans = 100 percent)
Characteristics High deductible health plans Nonhigh deductible health plans

Worker characteristics

All workers

45 54

Management, professional, and related

47 53

Management, business, and financial

46 54

Professional and related

47 53

Sales and office

50 50

Sales and related

63 37

Office and administrative support

44 55

Full time

46 54

Part time

38 61

Establishment characteristics

Service-providing industries

46 54

Trade, transportation, and utilities

51 49


40 59

Financial activities

51 49

Education and health services

35 65

Educational services

38 62

Health care and social assistance

34 66

Geographic areas


36 64

New England

38 62

Middle Atlantic

35 65


51 49

South Atlantic

51 49

West South Central

51 49


51 49

East North Central

50 50

West North Central

52 47

West: Mountain

59 41

(1) The sum of the columns may not equal 100 since only plans with fixed, variable, or no deductibles are included. Plans with other deductible formulas are not included. A high deductible health plan (HDHP) is a health plan which typically has a higher deductible and lower premium than a traditional health plan. An individual plan must have a minimum deductible of $1,350 to be classified as a HDHP. Normally the plan includes catastrophic coverage to protect against large medical expenses, but the insured is responsible for routine out-of-pocket expenses.

Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at
Source: U.S. Bureau of Labor Statistics, National Compensation Survey.


Last Modified Date: April 18, 2019