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EBRI

2014 Issue Briefs

“Brand-Name and Generic Prescription Drug Use After Adoption of a Full-Replacement, Consumer-Directed Health Plan With a Health Savings Account,” and “How Would Defined Contribution Participants React to Lifetime Income Illustrations? Evidence from t ..

Prescription Drug Use: Do consumer-directed health plans (CDHPs) result in lower prescription drug use? New research from EBRI of one big employer finds that moving to an HSA-eligible plan reduced the number of both generic and brand-name prescriptions filled.

Lifetime Income Illustrations: Do consumer-directed health plans (CDHPs) result in lower prescription drug use? New research from EBRI of one big employer finds that moving to an HSA-eligible plan reduced the number of both generic and brand-name prescriptions filled.

EBRI Notes Mar 24, 2014 16 pages

EBRI’s 2014 Retirement Confidence Survey: Confidence Rebounds—for Those With Retirement Plans

Americans’ confidence in their ability to afford a comfortable retirement has recovered somewhat from the record lows of the past five years, according to EBRI’s 24th annual Retirement Confidence Survey (RCS), but it does not appear to be founded on improved retirement preparations—and it may be limited to those with retirement plans. EBRI Issue Brief Mar 18, 2014 36 pages

“IRA Withdrawals, 2011,” and “Employer and Worker Contributions to Health Reimbursement Arrangements and Health Savings Accounts, 2006–2013”

IRAs: Withdrawals from individual retirement accounts (IRAs) tend to be small and closely follow the rates dictated by the federal required minimum distribution (RMD) rules that apply to individuals age 70-1/2 or older, according to a new study by EBRI. Press release.

Health Accounts: Nearly three-quarters of workers (71 percent) with a health reimbursement arrangement (HRA) or health savings account (HSA) reported that their employers contributed to the account in 2013, according to a new report by EBRI. Press release.

EBRI Notes Feb 12, 2014 24 pages

“The Cost of Spousal Health Coverage,” and “The Role of Social Security, Defined Benefits, and Private Retirement Accounts in the Face of the Retirement Crisis”

Spousal Health Coverage: Companies looking to save health costs by requiring working spouses to get health insurance through their own employer find the move has some unexpected consequences, according to a new study by EBRI. Press release.

Social Security and 401(k) Savings: Current levels of Social Security benefits, coupled with at least 30 years of 401(k) savings eligibility, could provide most workers with an annual income of at least 60 percent of their preretirement pay on an inflation-adjusted basis, according to a new analysis by EBRI. Press release.

EBRI Notes Jan 23, 2014 24 pages