. -- Retirement ; Health Insurance ; Employee Benefits ; Unobserved Effects …

health insurance for small firms. We provide information on HSA take-up and shopping behavior from a 2008 survey of female … health insurance for the smallest firms (under three employees), but not for small firms more generally. A sizable number of … firms offering HSA-eligible insurance did not offer attached HSAs. Firms offering HSAs were satisfied with their experiences …

The focus on employer-provided health insurance in the United States may restrict business creation. We address the … insurance and potential demand for health care. We find evidence of a larger negative effect of health insurance demand on the … the literature to examine the question of whether employer-based health insurance discourages entrepreneurship by …

insurance and pensions, across African Americans and the whites in the United States. Using data from the Current Population … employer provided health insurance and pension than whites in the last decade. We also find that the inclusion of racial …