This paper reports use of health care services related to health care quality over five years among over 18,000 individuals from a single large employer in the Midwestern United States that adopted an HSA-eligible health plan for all employees. It represents one of the longest observation...

This paper examines satisfaction with various aspects of health care by type of health plan. It examines satisfaction among three groups of health-plan enrollees: those with a consumer-driven health plan (CDHP), those with a high-deductible health plan (HDHP), and those with traditional...

Health reimbursement arrangements (HRAs) and health savings accounts (HSAs) are very similar, though there are some key differences that may produce different incentives related to using health care services, and thus, different consumer engagement experiences. This paper examines how consumer...

This paper examines changes in the distribution of workers by hours of work and the resulting impact on employment-based health benefits. The percentage of workers in the labor force employed either full time or part time tends to vary with the strength of the economy, and for various other...

Employers are considering ways in which they can restructure health benefits. A few employers have turned to, and many others are considering, a trend that started in the 1980s to give employees more choice among different types of benefit arrangements, while at the same time exposing employees...

This paper examines the amount of savings Medicare beneficiaries are projected to need to cover program deductibles, premiums and other health expenses in retirement. For the purposes of this study, health expenses include premiums for Medicare Parts B and D, premiums for Medigap Plan F, and...

This paper examines whether offering a health savings account (HSA)-eligible health plan for free, alongside other health plan options with a premium, alters employee enrollment choices; and if responders differ by health status. The data for this study come from two large employers and cover...

While there is a growing body of literature around the use of medical services and spending among individuals in HSA-eligible plans, there is limited financial data on accounts and account owners. In 2013, the maximum annual contribution to an HSA was $3,250 for account owners with individual...

This paper presents findings from the 2014 EBRI/Greenwald & Associates Consumer Engagement in Health Care Survey (CEHCS). In 2014, there was $22.1 billion in health savings accounts (HSAs) and health reimbursement arrangements (HRAs), spread across 10.6 million accounts, according to data from...