This paper analyzes how Health Savings Accounts (HSAs) can be used in conjunction with other savings vehicles to improve retirement preparedness. We build a life-cycle model that incorporates an HSA, a tax-advantaged defined contribution (DC) account, and a liquid taxable account. Individuals...

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...