Deductible Costs | 2019 UBA Health Plan Survey Trends
While employers have largely kept in-network single and family deductibles flat in 2019, rising out-of-network deductibles for families and singles continue to discourage use of non-participating physicians. For example, singles who go out of network for care face a $4,000 deductible, up from $3,000 last year. Similarly, families on HMO plans have a $9,000 deductible for out-of-network care in 2019, up from $6,000 last year.
Out-of-pocket maximums (both in-network and out-of-network) continue to rise as well. For example, families in PPO plans face a $11,300 in-network out-of-pocket maximum, up from $10,000 last year. Similarly, families who go out-of-network on a CDHP face an out-of-pocket maximum of $24,000, up from $21,000 in 2018.
As a member of United Benefit Advisors, we can provide you with data from the nation’s most comprehensive benchmarking survey of health plans — the UBA Health Plan Survey. By using this data, we can help you more accurately evaluate costs and contrast your current benefit plan’s effectiveness against other companies’ plans by industry, size and region — giving you a distinct competitive edge in recruiting and retaining a superior workforce. Armed with this vital information, we can help you craft a superior benefits package that supports your strategic and financial goals.
