401(k) Account Balances

401(k) balances and changes due to market volatility (updated March 1, 2018)

Read More »

May Policy Forum

Register now for EBRI's May 10th Policy Forum. You'll hear about the latest retirement, health, and financial wellbeing developments.

Read More »

Health Plans and Financial Wellness

Fast Fact: Health Plan Design May Be Impacting Financial Well-Being Program Success

Read More »

Learn about Enrollment Trends in HSA-Eligible Health Plans and Their Implications - During a March 7 webinar, EBRI’s Director of Health Research, Paul Fronstin discussed recently-released EBRI research, with additional insights from Kris Haltmeyer (Vice President, Health Policy and Analysis, Blue Cross Blue Shield Association and the Vice Chair – Health, of EBRI’s Research Committee). EBRI President and CEO, Lori Lucas provided opening comments and Josh Cohen, Managing Director, Head of Institutional Defined Contribution of PGIM, moderated the webinar. Access a replay of this EBRIefing (password: 80j#sYmM) and the presentation deck. (March 8, 2018)

  • EBRI Issue Brief – March 2018

    Debt of the Elderly and Near Elderly, 1992–2016

    While improving in many respects in the most recent years, the overall trends in debt for families with older (ages 55 or older) heads are troubling as far as retirement preparedness is concerned. American families with heads just reaching retirement or currently retired are more likely to have debt—and higher levels of debt—than past generations. In addition, the percentage of the oldest families (those with heads ages 75 or older) whose debt payments are excessive relative to their incomes is near its highest levels looking back to 1992. Consequently, more families with older heads are at risk of running short of money in retirement due to their increased likelihood of holding debt and holding more of it while in retirement. Read the Issue Brief and related Fast Fact. (Mar. 19, 2018)

  • EBRI Issue Brief – February 2018

    Has Enrollment in HSA-Eligible Health Plans Stalled?

    Are we seeing fewer enrollments in HSA-eligible health plans? It’s hard to tell. Some surveys look at year-over-year growth of enrollment in HSA-eligible plans, which seems to be leveling off. Other surveys look at the number of health savings accounts being established, which continues to rise – for instance, EBRI finds that 21 percent of all HSAs were established in 2016. Are plan participants driving these differences as they change jobs and/or dis-enroll from HSA-eligible plans while maintaining ownership of existing HSAs and establishing new ones with new plans and / or new employers? What role does public policy play? Read the full article and accompanying Fast Fact. (Feb. 16, 2018)

  • EBRI Issue Brief – February 2018

    Self-Insured Health Plans: Recent Trends by Firm Size, 1996-2016

    Since the passage of the Patient Protection and Affordable Care Act of 2010 (ACA), there has been speculation that an increasing number of small and midsized employers would convert their health plans from fully insured to self-insured plans. The rationale has been that several of the key ACA components—creditable coverage, affordability, essential benefits, and various taxes and fees—would drive up the cost of health coverage, thus possibly making self-insurance (which is viewed by many as generally less expensive than fully-insured alternatives) a more attractive alternative for many employers. While the percentages of smaller establishments with at least one self-insured plan did indeed increase between 2015 and 2016, self-insurance in large establishments declined. As a result, the overall percentage of enrollees in self-insured plans fell from 60 percent to 57.8 percent between 2015 and 2016. Read the full article and accompanying Fast Fact. (Feb. 27, 2018)

  • EBRI Notes – January 2018

    Workers Rank Health Care as the Most Critical Issue in the United States

    Workers rank health care as the most critical issue in the nation, according to new research from EBRI. The survey also finds that a majority of workers describe the health care system as poor or fair, though workers’ satisfaction in their own health plans remains high. Rising health care costs have implications for financial wellbeing among workers. Of the one-half of workers reporting cost increases, 26 percent state they have decreased their contributions to retirement plans, and 43 percent have decreased their contributions to other savings. The survey was made possible with funding support from the following organizations: AXA Equitable Financial Services, LLC, Cigna, Mercer LLC, Prudential Financial Inc., The Segal Group, Inc., and Unum Group. (Jan. 25, 2018)