As deductibles skyrocket, so has demand for gap plans, which cover the costs between what high deductible major medical plans pay and what an employee has to pay out of pocket.

In 2016, 29% of group health plan enrollees had a high deductible health plan, up from 17% of workers in 2011. The average annual deductible for single coverage was $2,031 and $2,295 for HSA-qualified HDHPs, according to the Kaiser Foundation.

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