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Enrollment in high-deductible health plans, including consumer-directed health plans, among people younger than 65 traditionally has been higher among those with directly purchased plans than those with employment-based coverage. However, this may be changing, according to National Health Statistics Reports.
“This report found that from 2021 through 2023, enrollment in HDHPs did not differ significantly between employment-based and directly purchased coverage,” the report said. “Generally, white non-Hispanic people were the most likely to be enrolled in an HDHP. Black non-Hispanic and Hispanic people were the least likely to be enrolled in an HDHP. Enrollment in an HDHP increased with family income and family educational attainment.”
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