Fifty percent of the U.S. population gets health insurance through an employer, and roughly half of employers only offer one health plan. There- fore, the choices made by firms about what plan(s) to offer are critical to understanding the health insurance available to workers. This paper focuses...

Entrepreneurs are hailed as economic heroes and drivers of job growth. Yet in analysis of Current Population Survey data of U.S. residents between the ages of 50 and 64, this study demonstrates that entrepreneurs disproportionately lack health insurance and workplace retirement savings program...

Workplace benefits now comprise roughly one-third of total employee compensation. At the same time, the choice of benefits has grown increasingly complex. Using a novel survey at 15 universities linked with administrative data on retirement accounts, we examine employee decision-making related...

When a firm offers health benefits to workers, it exposes the firm to the risk of making payments when workers get sick. A firm can either pay health expenses out of its general assets, keeping the risk inside the firm, or it can purchase insurance, shifting the risk outside the firm. Using data...