NCPA - National Center for Policy Analysis


March 28, 2006

The number of people covered by health savings accounts/high-deductible health plans (HSA/HDHPs) reached almost 3.2 million in January 2006, and more than tripled the HSA/HDHP coverage of about one million reported by AHIP members in March 2005, says America's Health Insurance Plans (AHIP).

AHIP's census findings include:

  • HSA/HDHP coverage in the group market rose from 397,000 in March 2005 to 1.4 million in January 2006. Enrollment in the individual market rose from 556,000 in March 2005 to 855,000 in January 2006.
  • In the individual market, 31 percent of new enrollees in HSA/HDHP plans were previously uninsured. In the small-group market, 33 percent of enrollment in HSA/HDHP plans was in small companies that previously did not offer coverage.
  • Some 23 percent of new purchases of health insurance in the individual market were HSA/HDHP products. HSA/HDHP products accounted for 11 percent of new policies in the small-group market and 7 percent of new policies in the large-group market.
  • Half of all people covered by HSA/HDHP plans in the individual market -- including dependents covered under family plans - are aged 40 or older. In the small group market, 45 percent of people covered under HSA/HDHP plans in the small group market, including dependents, are 40 or older, and in the large group market 44 percent of enrollees are aged 40 or over.
  • Over 90 percent of enrollees in HSA/HDHP plans were in Preferred Provider Organization (PPO) products with both in-network and out-of-network coverage. HSA/HDHP enrollees generally have access to negotiated discount arrangements with health care providers through their PPO plans.

Source: "January 2006 Census Shows 3.2 Million People Covered by HSA Plans," America's Health Insurance Plans, March 09, 2006.

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