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'The Impact of PPACA on Employment-Based Health Coverage of Adult Children to Age 26,' and 'Spending Adjustments Made By Older Americans to Save Money'

Adult Children Coverage: PPACA, the new federal insurance law, has increased the health insurance coverage of adult children between 2009 and 2011, according to a new report by EBRI. Press release

Spending Adjustments: More than 20 percent of americans age 50 and over report saving on health costs by switching to cheaper generic drugs, getting free samples, stopping pills or reducitn dosages, and nearly as many sip or postpone doctor appointsments for the same reason, according to a new report by EBRI. Press release 

EBRI Notes Jan 10, 2012 16 pages

401(k) Plan Asset Allocation, Account Balances, and Loan Activity In 2010

After a decade marked by two severe bear markets, 401(k) plan participants have adopted a more balanced approach to their portfolios, according to a report released today by the Investment Company Institute (ICI) and the Employee Benefit Research Institute (EBRI). Fears that younger participants in 401(k) plans would abandon stock investing are not borne out by the data, which suggest that greater use of target-date funds is helping workers keep their investing on track. EBRI Issue Brief Dec 21, 2011 52 pages

Findings From the 2011 EBRI/MGA Consumer Engagement in Health Care Survey

Enrollment in so-called “consumer-driven” health plans continued to grow in 2011, according to the 11th annual EBRI/MGA Consumer Engagement in Health Care Survey (CEHCS). In 2011, 7 percent of the population was enrolled in a consumer-driven health plan, or CDHP, compared with 5 percent a year ago. When children are included, about 21 million individuals with private insurance, representing about 12 percent of the market, were either in a CDHP or an HSA-eligible plan, the survey found. Press release EBRI Issue Brief Dec 13, 2011 28 pages

'Retirement Age Expectations of Older Americans Between 2006 and 2010,' and 'Variation in Public Opinion on the Future of Employment-Based Health Benefits: Findings from the 2011 Health Confidence Survey'

Retirement Age Expectations: Not only are older American workers (age 50 and over) expecting to work longer, but many now say they expect to never retire, according to EBRI. Data suggest the trend may be tied to the recent economic recession. Press release

Variation in Public Opinion on the Future of Employment-Based Health Benefits: Findings from the 2011 Health Confidence Survey-- The public remains in large part confident that employers and unions will continue to offer health coverage following enactment of the federal health reform law. According to results from the 2011 Health Confidence Survey, 57 percent of individuals with employment-based coverage are extremely or very confident that their employer or union would continue to offer health coverage. Press release 
 

EBRI Notes Dec 6, 2011 24 pages

'Public Opinion on the Future of Employment-Based Health Benefits: Findings From the 2011 Health Confidence Survey,' and 'How Do Financial Literacy and Financial Behavior Vary by State?'

Health Benefits: Even though employment-based health coverage is the primary source of health insurance coverage in the United States, long-term public confidence that employers and unions will continue to offer health coverage has fallen, according to findings by EBRI. Press release

Financial Literacy: New research by EBRI finds that the residents of New Hampshire and Alaska rank at the top of financial literacy and financial behavior, while residents of Louisiana and West Virginia rank at the bottom. Press release

EBRI Notes Nov 17, 2011 16 pages

“Ownership of Individual Retirement Accounts (IRAs) and 401(k)-Type Plans, 1996-2009,” and “Tracking Health Insurance Coverage by Month: Trends in Employment-Based Coverage Among Workers, and Access to Coverage Among Uninsured Workers, 1995-2010”

IRA and 401(k) Ownership

Participation of workers in individual-account 401(k)-type plans, which had grown sharply through the 1990s, leveled off from 2005 to 2009. Ownership of individual retirement accounts (IRAs), which had also risen significantly in the 1990s, experienced a slight decline from 2005 to 2009, according to a new report by EBRI. Press release

Health Coverage by Month

Since 1995, the percentage of workers both with and without health insurance coverage has tracked closely with the unemployment rate, according to a new analysis of monthly data by EBRI. While the link between employment and health coverage is well-documented, EBRI’s new report tracks the data on a monthly basis to show the direct correlation. Currently, despite signs of economic recovery from the 2008-2009 recession, employment-based health insurance coverage remains well below the levels of the 1990s. Press release

EBRI Notes Oct 13, 2011 20 pages

Employment-Based Retirement Plan Participation: Geographic Differences and Trends, 2010

The portion of full-time, full-year workers age 21-64 who participated in an employment-based retirement plan remained stable at 54.5 percent in 2010, showing no appreciable drop from 2009 despite the continuing weakness in the economy, according to a new report by EBRI. This makes 2010 it only the second year in the last six years without a decrease. In general, workers in Midwestern, Mid-Atlantic, and Northeastern states had the highest levels of participation in employment-based retirement plans, while those in Southern and Western states had the lowest levels. EBRI Issue Brief Oct 11, 2011 44 pages

‘2011 Health Confidence Survey: Most Americans Unfamiliar With Key Aspect of Health Reform,’ and ‘Is There a Future for Retirement?’

2011 Health Confidence Survey: Most Americans Unfamiliar With Key Aspect of Health Reform

One year after Congress passed its landmark health reform law, the American public remains largely in the dark about one of the key elements of the law—health insurance exchanges. And despite the deep divisions and partisanship over enactment of the health reform law, public opinion about the U.S. health care system itself is little changed: It has neither fallen nor increased as a result of passage of health reform. Press release

Is There a Future for Retirement?

With more older Americans remaining in the work force, retirement ages increasing for full benefits, and cutbacks looming in federal social insurance programs, the question is being asked: Is there a future for retirement in the United States? This article summarizes presentations and discussions at EBRI’s spring 2011 policy forum on that topic, which was explored by a broad range of experts who discussed a variety of key issues related to America’s aging work force and the implications of working longer. Press release

EBRI Notes Sep 27, 2011 16 pages

Sources of Health Insurance and Characteristics of the Uninsured: Analysis of the March 2011 Current Population Survey

Most Americans who have health insurance still get it through their jobs, but employment-based health coverage continues to decline, according to a new report from EBRI. While employment-based health coverage is still the dominant source of health insurance in the United States, it has been steadily shrinking since 1994. EBRI Issue Brief Sep 26, 2011 36 pages