This week’s edition of Tabulation Tuesday looks at how employer-sponsored health insurance deductibles in Tennessee have changed over the past 15 years.

What You Need to Know First:

• About 45% of all Tennesseans are covered by health insurance that they purchase through an employer. This type of coverage is often called employer-sponsored insurance.
• A health insurance deductible is the amount of out-of-pocket health care spending that must be met each year before an insurance policy begins to pay.

What We Tabulated:

• The percent of employer-sponsored plans in Tennessee that have a deductible.
• Average deductibles for employer-sponsored plans for single and family coverage in Tennessee.

What We Learned:

• Nearly all employer-sponsored health insurance plans in Tennessee require deductibles. From 2002-2016, the share of plans with deductibles increased from 60% to 94%.
• From 2002 to 2016, the average deductible for single coverage in Tennessee employer-sponsored plans increased by 341% from $486 to $2,142.
• From 2002 to 2016, the average deductible for family coverage in Tennessee employer-sponsored plans increased by 252% from $1,039 to $3,662.

 Where We Got Our Data:

• Medical Expenditure Panel Survey Insurance Component (MEPS-IC)

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Notes

¹MEPS-IC data were not collected in 2007