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Plan 1: High deductible

Codes and Frequencies

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For persons who have a private insurance plan, this variable indicates whether the person's first insurance plan mentioned, if more than one was mentioned, was a high deductible plan. Plans with deductibles greater than $1,100 for a single person or greater than $2,200 for two or more persons are considered high deductible plans.

If the person mentioned a separate deductible for prescription drugs, hospitalization, or out-of-network care, interviewers instructed them not to include those deductible amounts in the total.

Related variables

Please use the IPUMS NHIS drop down menu and search functions for other related variables.

Information was collected on up to four plans per family; for 2004 forward, only data for plans one and two are publicly available. Users may also want to see HIP2HIDEDUCT.


Persons with three or more plans have a "yes" response to the HIPRIVGT2 variable (available for 2004 forward). Very few persons (less than 0.2 percent of the total number of individuals with private health insurance per year for 2004 to 2009) have more than two private insurance plans. Additional information for the third and fourth plans for a person is available through a Data Research Center.


Other than a slight change over time in the dollar value of thresholds for whether a plan was considered to be a high deductible plan changes, this variable is comparable over time. For 2007 and 2008, a plan was considered high deductible if it had a deductible greater than or equal to $1,100 for an individual or $2,200 for a family. In 2009, these thresholds were $1,150 and $2,230; for 2010-2014, these thresholds were $1,200 and $2,400; and for 2015-present, these thresholds were $1,300 and $2,600.


  • 2007-2018: Persons covered by private health insurance.


  • 2007-2018