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Has any high deductible plan

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For persons who have a private insurance plan, HIPDEDUCTR is a constructed variable that combines HIP1HIDEDUCT and HIP2HIDEDUCT to indicate if either of the respondent's private insurance plans were high deductible plans. 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.


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 who are covered by a general health insurance plan (excludes single service plans).


  • 2007-2018