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Employers, Workers, and the Future of Employment-Based Health Benefits

Since the vast majority of Americans who have health coverage get it through their jobs, one obvious question raised by the health reform legislation pending in Congress is: How might it affect the U.S. employment-based health benefits system? At a recent day-long conference sponsored by EBRI, more than a dozen experts from a wide range of specialties found consensus on one point: Imposing a tax on health benefits (such as the proposed tax on so-called “Cadillac” health plans) is likely to cause major cuts in health benefits and might result in structural changes in the employment-based benefits system. EBRI Issue Brief Feb 16, 2010 24 pages

Implications of Health Reform for Retiree Health Benefits

Health insurance reform legislation pending in Congress would have a mixed impact on retiree health benefits, according to a study published today by EBRI. In the short term, some provisions of the legislation would help bolster early retiree coverage, while in the longer term other provisions could create significant incentives for employers to drop retiree coverage. EBRI Issue Brief Jan 1, 2010 20 pages

Findings from the 2009 EBRI/MGA Consumer Engagement in Health Care Survey

Individuals in consumer-driven health plans (CDHPs) are more likely than those with traditional coverage to exhibit a number of cost-conscious behaviors, to be more engaged in wellness programs, and to be more inclined to think that financial incentives matter in holding down costs, according to a new survey by EBRI. At the same time, the fifth annual survey found that satisfaction levels for individuals in traditional health plans were higher again this year than for those in consumer-driven plans. EBRI Issue Brief Dec 1, 2009 44 pages

Employment-Based Retirement Plan Participation: Geographic Differences and Trends, 2008

Participation in employment-based retirement plans decreased by small amounts for most categories of workers in 2008, but those with the strongest connection to the work force experienced the smallest decline: 0.5 percentage point, according to a study released by the EBRI. Additional decreases are possible in 2009–2010, depending on economic trends, the study adds. Press release EBRI Issue Brief Nov 5, 2009 40 pages