A return to double-digit annual growth in health benefit costs is fueling interest in new structures for employment-based health benefits. The basic goal of these structures--whether they are called consumer driven or defined contribution--is to control costs by delegating more direct...

We present and empirically implement an equilibrium labor market search model where risk averse workers facing medical expenditure shocks are matched with firms making health insurance coverage decisions. Our model delivers a rich set of predictions that can account for a wide variety 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 presents findings from the 2014 EBRI/Greenwald & Associates Consumer Engagement in Health Care Survey (CEHCS), as well as earlier surveys, examining the availability of health reimbursement arrangements (HRAs) and health-savings-account (HSA)-eligible plans (consumer-driven health...

This paper examines public opinion surrounding employment-based health coverage. It uses data from the 2013 and 2014 Health and Voluntary Workplace Benefits Survey (WBS), conducted by the Employee Benefit Research Institute (EBRI) and Greenwald & Associates, as well as historical data from the...

Four years after passage of the Patient Protection and Affordable Care Act of 2010 (PPACA), implementation of many of its provisions and delay of others, an increasing majority of workers continue to give low marks to the U.S. health care system. This paper examines public opinion with respect...

This paper examines changes in the distribution of workers by hours of work and the resulting impact on employment-based health benefits. The percentage of workers in the labor force employed either full time or part time tends to vary with the strength of the economy, and for various other...

Employers are considering ways in which they can restructure health benefits. A few employers have turned to, and many others are considering, a trend that started in the 1980s to give employees more choice among different types of benefit arrangements, while at the same time exposing employees...

This study investigates the prevalence and severity of job immobility induced by the provision of employer-sponsored health insurance – a phenomenon known as 'job-lock'. Using data from the National Longitudinal Survey of Youth from 1994 to 2010, job-lock is identified by measuring the impact...

We present and empirically implement an equilibrium labor market search model where risk averse workers facing medical expenditure shocks are matched with firms making health insurance coverage decisions. Our model delivers a rich set of predictions that can account for a wide variety of...