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Your Clients' Deductibles Might Be Changing

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Analysts at Gartner Inc. have come up with evidence, based on employer data from DirectPath, that in-network health plans may be changing.

Individual deductibles may be increasing sharply, and family deductibles may be falling, the Gartner analysts say in a new report.


  • A copy of the DirectPath/Gartner survey report is available here.
  • An article about an earlier DirectPath/Gartner survey report is available here.

Gartner is a research firm, and DirectPath is a benefits communication, enrollment and medical procedure cost estimation services firm.

The Gartner analysts created the new report using The Lab, a DirectPath database that gives information from 1,047 employer health plans offered by about 200 large U.S. employers.

The analysts found, for example, that the average employer health savings account (HSA) contributed fell to $512 this for single employees, from $514, but increased to $1,047, from $1,028, for employees with family coverage.

Similarly, the average employer health reimbursement arrangement (HRA) contribution fell to $484 for single employees, from $514, but increased to $1,028, from $990, for employees with family coverage.

Shifts in favor of employees with family coverage also showed up in the deductible averages.

For individual coverage, the average deductible increased to $1,038, from $750.

For family coverage, the average dropped to $1,672, from $1,900.

— Read Why Strong Vision Benefits are Critical for Workers with Large Families, on ThinkAdvisor.

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