Characteristics of the Population With Consumer-Driven and High-Deductible Health Plans, 2005–2013 by Paul Fronstin, Ph.D., in Employee Benefit Research Institute Notes Notes, April, 2014

In 2001, a handful of employers started offering health reimbursement arrangements (HRAs)—a then-new type of health plan. The most prevalent HRA-plan design then had a deductible of at least $1,000 for employee-only coverage along with a tax-preferred account that could be tapped by workers and their families to pay out-of-pocket health care expenses. The Medicare Prescription Drug, Improvement, and Modernization Act of 2003 included a provision to allow individuals with certain high-deductible health plans to contribute to a health savings account (HSA).

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