This report outlines research findings and statistics about HSAs in the following areas: enrollment, age and income distribution, health status, premiums, preventive care, and account information.
Notable findings highlighted in the report include the following:
- The age distribution among HSA-eligible enrollees in the individual market has changed only slightly since 2006. Approximately half of enrollees in an HSA-eligible plan (including dependent children) are aged 40 and above, and about half are below the age of 40.
- About 40 percent of tax filers age 19 to 64 who reported HSA activity on their tax returns had average annual incomes below $60,000.
- A 2008 survey found that similar percentages of enrollees in HSA-qualified plans (45 percent) and traditional plans (49 percent) reported having at least one chronic condition.
- Average annual premiums for HSA-qualified high-deductible health plans (HDHPs), as reported in a 2011 Kaiser Family Foundation survey, were $4,427 for single coverage and $12,655 for family coverage.
- Ninety-one percent of employees with HSA/HDHP group coverage in 2011 were provided first-dollar coverage for preventive care.
- Lower-income individuals open HSAs at a greater rate than do higher income groups – with an average income in the mid-$50,000 range.
- The amount of money that individuals have accumulated in their accounts has grown over time, and the amount of money being rolled over from one year to the next also has increased.
