Managed competition and a health insurance exchange appear to be the primary proposed vehicles for expanding Americans' access to health insurance coverage. For managed competition to work, most analysts agree that a number of components will need to be included: individual mandates, risk...

This paper examines whether offering a health savings account (HSA)-eligible health plan for free, alongside other health plan options with a premium, alters employee enrollment choices; and if responders differ by health status. The data for this study come from two large employers and cover...

This paper presents findings from the 2007 EBRI/Commonwealth Fund Consumerism in Health Care Survey. Findings from the 2007 survey are compared with our findings from 2005 and 2006. In 2007, 2 percent of the population was enrolled in a consumer-driven health plan (CDHP), up from 1 percent in...

The Patient Protection and Affordable Care Act (PPACA) enacted March 23, 2010, and the Health Care and Education Reconciliation Act (HCERA) enacted March 30, 2010, require that group health plans and insurers make dependent coverage available for children until they attain the age of 26...

This paper examines recent trends in self-insurance. Data come from the Medical Expenditure Panel Survey (MEPS) and are presented by establishment size among private-sector employers. State-level data are also presented, along with the correlation between state mandates and the prevalence of...

This paper examines recent trends in self-insurance. Data come from the Medical Expenditure Panel Survey (MEPS) and are presented by establishment size among only private-sector employers. State-level data are also presented. In 2013, 37.6 percent of private-sector establishments self-insured at...

This paper examines the experience of a particular large employer, and a subset of its employees, with respect to a recent increase in the number of health plans that employees could choose. In 2014, this employer offered employees a choice of four health plans -- an HSA-eligible health plan...

This paper examines 1996-2015 trends in self-insured health plans among private-sector establishments offering health plans and among their covered workers, with a particular focus on 2013 to 2015, so as to assess whether the Affordable Care Act (ACA) might have affected these trends. The data...

This paper examines accounts that can be used to pay for health care services on a tax-favored basis. Starting with health savings accounts (HSAs), the function of these accounts is described, followed by a discussion of issues related to the accounts, whether expectations for the accounts will...

The Employee Benefit Research Institute (EBRI) developed the EBRI HSA Database to analyze the state of, and individual behavior in, Health Savings Accounts (HSAs). The HSA database contains 5.5 million accounts with total assets of $11.4 billion as of Dec. 31, 2016. This paper is the first...