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2014 Panel Wave 1: Health Insurance User Note - High Deductible Health Plans
High deductible health plans are health insurance plans that have lower premiums but higher deductibles and qualify individuals to have health savings accounts. Each year, the IRS releases information on the deductible cut-off to qualify for a high deductible health plan.
In Wave 1, the instrument questions ask respondents who reported a private health plan (on the private line 1, and the private line 2): “Is the (single/family) annual deductible for medical care for this plan $1,200 (single)/$2,400 (family) or more?”
The amounts asked should have been $1,250, and $2,500 to be consistent with the year 2013 definition of a IRS high deductible health plan.
The edited variables for this question, EHDEDPLN1 and EHDEDPLN2, are output as “yes” or “no” answers. In Wave 1, data users are cautioned that these edited variables may overestimate the number of respondents with high deductible health plans.
The Waves 2- 4 deductible amounts, which cover reference years 2014 – 2016, are correct and consistent with the IRS definition of a high deductible plan.
Page Last Revised - October 8, 2021
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