Financial Wellbeing

Utilization Patterns and Out-of-Pocket Expenses for Different Health Care Services Among American Retirees

How do retirees spend their out-of-pocket money on health care in retirement? New research from EBRI separates recurring and non-recurring health-care services and finds that usage and expenses of recurring health-care services remain stable throughout retirement, while usage of non-recurring ones increase with age and tend to be more expensive. EBRI Issue Brief Feb 23, 2015 24 pages

How Retirees Spend Out-of-Pocket Money on Health Costs EBRI Press Release Feb 23, 2015 Full Content

“Maximizing Contributions to an HSA: Findings from the EBRI HSA Database,” and “Debt of the Elderly and Near Elderly, 1992–2013”

HSAs: Who contributes the maximum amount to their health savings accounts (HSAs)? New research by EBRI finds that about 15 percent of HSA owners contributed the maximum amount possible in 2013. Press release.

Debt: A larger share of older American families had debt in 2013, and those with debt loads that are considered problematic also increased, according to a new report from EBRI. Press release.

EBRI Notes Jan 29, 2015 24 pages

“How Does Household Expenditure Change With Age for Older Americans?” and “2014 Health and Voluntary Workplace Benefits Survey: Most Workers Continue to be Satisfied With Their Own Health Plan, but Growing Number Give Low Ratings to Health Care Syste ..

Older Americans: Although health expenses increase steadily with age, and remain a cause of concern, home and home-related expenses are the largest spending category for older Americans, according to a new report by EBRI. Press release.

Workplace Benefits Survey: Although American workers rank their own health care highly, their opinion of the overall U.S. health care system is low and continues to fall, according to a new report by EBRI. Press release.

EBRI Notes Sep 18, 2014 20 pages

T-181: Senate Finance Committee, on "Retirement Savings 2.0: Updating Savings Policy for the Modern Economy"

EBRI Testimony Sept 16, 2014 11 pages

Full Content

"Crisis" Management: Uncertainty and the Workplace

With major changes sweeping both health and retirement plans in the private sector, are employment-based benefits facing a “crisis” or merely an uncertain future? A recent industry-wide forum sponsored by EBRI brought together a variety of experts to focus on the issue and the challenges ahead. EBRI Issue Brief Aug 12, 2014 20 pages