Young employees like those high-deductible health policies

The big boys are accepting health policies with high deductibles.

Moderately more than half of major employers observed in a new report now offer their employees at least 1 high-deductible health insurance policy, underscoring a wide trend nationally toward such coverage.

And moderately more than 40% of employees at great firms that offer them the option are selecting the high-deductible option over a conventional health plan, in accordance to the report issued on Tuesday by Benefitfocus, a contributor of benefits-management software.

Benefitfocus also discovered that younger employees were much more apt to select the high-deductible option when provided the choice. These policies tend to have lower monthly premium payments for their enrollees than traditional health policies.

But they also need enrollees to pay more in out-of-pocket charges when they gain health services than what they are needed to pay under traditional policies. The minimum deductible for a high-deductible policy is $1,300 for self-only coverage, and $2,600 for family coverage.

Benefitfocus' report was deployed on an analysis of real 2015 enrollment information from about 500 employers with more than 1,000 employees apiece. In all, the report expresses enrollment choices of more than 700,000 employees.

High-deductible policies have become growingly increasingly common in recent years as agencies and insurers look for ways to control health spending. The policies are seen as motivating more careful shopping for and consumption of health services, like by choosing for a generic drug as opposed to a brand-name prescription.