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HSA Research by Devenir

Employer Benefits: HDHPs & HSAs (BLS/NCS)

High deductible health plan (HDHP) and health savings account (HSA) statistics for private industry workers from the Bureau of Labor Statistics National Compensation Survey. Reference period: March of each survey year.

HDHP Availability (2024)

50%

of private industry workers (up from 38% in 2015)

Source: BLS/NCS

HSA Access (March 2024)

39%

of private industry workers (up from 24% in March 2015)

Source: BLS/NCS

Median HDHP Deductible (2024)

$2,750

annual deductible for single coverage

Source: BLS/NCS

HDHP Availability by Industry (2015 vs 2024)

Percentage of private industry workers participating in medical care plans with access to a high deductible health plan, by industry group.

Source: U.S. Bureau of Labor Statistics, National Compensation Survey

HSA Access by Establishment Size (2015–2024)

Percentage of private industry workers with access to a health savings account, by establishment employment size.

Source: U.S. Bureau of Labor Statistics, National Compensation Survey

Reference years refer to March.

HSA Access by Wage Quartile (2015–2024)

Percentage of private industry workers with access to a health savings account, by average wage quartile.

Source: U.S. Bureau of Labor Statistics, National Compensation Survey

Reference years refer to March.

HSA Access by Worker Characteristics (2015 vs 2024)

Percentage of private industry workers with access to a health savings account, by selected worker characteristics.

Source: U.S. Bureau of Labor Statistics, National Compensation Survey

Reference period: March of each year.

HDHP Annual Deductible Distribution (2024)

Distribution of annual deductibles for single coverage in high deductible health plans among private industry workers, 2024.

Lower deductibleHigher deductible

p10

$1,700

p25

$2,000

p50

$2,750

p75

$3,200

p90

$5,000

Source: U.S. Bureau of Labor Statistics, National Compensation Survey

Methodology & Definitions

Data are from the U.S. Bureau of Labor Statistics, National Compensation Survey (NCS). The NCS provides comprehensive data on employer-sponsored benefits for private industry workers in the United States. All estimates refer to private industry workers; state and local government workers are not included.

Benefit estimates are not designed to be a time series. Changes in estimates may reflect survey design changes. See BLS methodology for details.

Key Definitions

Access
The percentage of workers in establishments that offer a benefit, whether or not workers participate in the plan.
Participation
The percentage of workers who are enrolled in a benefit plan.
Take-up Rate
The percentage of workers with access to a plan who participate in the plan (participation ÷ access).

Last updated: 2025-09-25 · Publication: 2025-09