Health
The Impact of Offering Free Coverage on Enrollment Choice and Risk Selection in an HSA-eligible Health Plan
For employers looking to drive more workers to sign up for HSA-eligible health plans, one of the biggest financial incentives they can offer is to reduce or even eliminate the annual premiums, according to new findings by EBRI.
Trends in Health Savings Account Balances, Contributions, Distributions, and Investments, 2011-2016: Statistics from the EBRI HSA Database
The first-ever analysis of how health savings accounts (HSAs) are being used over time shows that most account owners use them more as specialized checking accounts rather than investment vehicles, according to new research by EBRI.
Consumer Engagement in Health Care: Findings from the 2016 EBRI/Greenwald & Associates Consumer Engagement in Health Care Survey
So-called “consumer-driven” health plans with high deductibles are continuing to gain market share in the United States, and are having the intended effect of making people more involved in their own health care, according to new findings by EBRI.
Consumer Engagement in Health Care and Choice of Health Plan: Differences Among Millennials, Baby Boomers, and Generation X Have Implications for Plan Sponsors
There are major differences between younger millennial workers and their older Gen X and baby boomer colleagues when it comes to how they view and use health benefits, according to a new analysis by EBRI. Press release.
Value of Workplace Benefits: Findings from the 2016 Health and Voluntary Workplace Benefits Survey
Even though American workers are evenly split in their satisfaction levels with employer-provided benefits, the latest “value of benefits” by EBRI continues to find that companies offering benefits have a competitive advantage over those that do not. Press release.
Health Plan Switching: A Case Study--Implications for Private- and Public-Health-Insurance Exchanges and Increased Health Plan Choice
When workers are offered more than one health plan, who switches their plans, and does it lead to adverse selection, causing healthy workers to leave certain health plans saddled with only high-cost sick workers? Evidence suggests it’s mostly younger workers or higher-income workers without family coverage who switch?which does indeed raise the risk of adverse selection, according to a new analysis by EBRI.
Health Experts Consider a Post-ACA World
Under President Trump, how, exactly, is the Affordable Care Act (ACA) likely to change, and how will this fundamental policy shift affect the U.S. health care and health insurance systems? The short answer, as the new administration was taking shape: Nobody knows. But whether it’s a “repeal and replace,” as many congressional Republicans have advocated ever since the law was enacted in 2010, or “repeal and delay” or “partial repeal” or “repair” (as some are now suggesting) or just “repeal,” it seems certain that change is on the way. This article summarizes discussion of these issues by a panel of experts at EBRI’s 79th policy forum held in Washington last December, and attended by more than a hundred people. Press release.
Geographic Variation in Spending Among Older American Households
Most discussion about retirement preparation revolves around national averages, but a lot could actually depend on where you live in retirement. A new study by EBRI finds large variations in spending by older households across the country. Press release.
