This year marks the 10th anniversary of the creation of health savings accounts (HSAs) under the Medicare Prescription Drug, Improvement, and Modernization Act of 2003. The EBRI HSA Database contains data collected from various HSA providers on 1.5 million accounts with total assets of $2.7...

The Employee Benefit Research Institute (EBRI) maintains a wealth of data collected from various health savings account (HSA) providers. The EBRI HSA Database contains 2.9 million accounts with total assets of $5 billion as of Dec. 31, 2014. This paper is the second annual report drawing on...

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...

The Patient Protection and Affordable Care Act (PPACA) enacted March 23, 2010, requires that group health plans and insurers make dependent coverage available for children until they attain the age of 26, regardless of tax or student status, or dependent status as it relates to financial...

The Patient Protection and Affordable Care Act (PPACA) requires group health plans that offer dependent coverage to make that coverage available to workers’ children until they reach age 26, regardless of student status, marital status, or financial support by the employees. A number of...

While the nation is now a few years removed from the financial turmoil that led to the so-called Great Recession, “crisis” is a word still much bandied about. Crisis is, after all, something that cries out for swift and decisive action -- and the industry of employee benefits has had its...

This paper examines satisfaction with various aspects of health care by type of health plan among three groups of health-plan enrollees: those with a consumer-driven health plan (CDHP), those with a high-deductible health plan (HDHP), and those with traditional coverage. The findings presented...

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...