HDHP enrollment reaches more than 50% of American private-sector workers

A record-high number

The report says that more than 55% of Americans were enrolled in HDHPs in 2021, a new record. The rate rose from 30.3% in 2013 (the lowest enrollment in the 10 years studied) to 55.7% in 2021, an 83.7% increase.

Much of the rise is attributed to increase health care costs, according to experts. “With health insurance costs rising over the years, it’s not surprising that HDHPs are growing in popularity,” says Divya Sangameshwar, a ValuePenguin health insurance expert. She adds that many employers might prefer HDHPs over traditional preferred provider organizations (PPOs) and health maintenance organizations (HMOs), as they have lower premium costs. more

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