Enrollment in High-deductible Health Plans Among People Younger Than Age 65 With Private Health Insurance: United States, 2019–2023

High-deductible health plans (HDHPs) are becoming a significant part of the health insurance landscape, with nearly 42% of privately insured Americans under 65 enrolled in one in 2023. While these plans often come with lower monthly premiums, they require individuals to shoulder more out-of-pocket costs before coverage kicks in. Interestingly, enrollment in consumer-directed health plans (CDHPs), which pair HDHPs with health savings accounts, has mirrored HDHP trends, showing a gradual rise before dipping slightly in 2023. As healthcare costs and coverage options evolve, understanding these trends can provide valuable insights into how individuals and employers navigate their choices.