This paper reports experience over five years from a single large employer in the Midwestern United States that adopted a high-deductible health plan with a health savings account (HSA) for all employees. This study represents one of the longest observation periods reported with a...

Prior research has shown that both the offer rate (the percentage of workers offered health benefits) and the take-up rate have both been declining. However, there is still a strong link between health benefits and employment. As a result, employment-based health benefits remain the most common...

This paper examines the impact of plan type, medical homes, and income on use of health care services. It also examines differences in the use of health services within the CDHP population. Data from the 2005-2007 EBRI/Commonwealth Fund Consumerism in Health Care Survey and the 2008-2012...

This paper examines the population with a consumer-driven health plan (CDHP) and how it differs from the population with traditional health coverage. Data from the 2005-2007 EBRI/Commonwealth Fund Consumerism in Health Care Survey and the 2008-2012 EBRI/MGA Consumer Engagement in Health Care...

This paper examines HSA and HRA assets, account balances, and rollover amounts, using data from the 2012 EBRI/MGA Consumer Engagement in Health Care Survey (CEHCS), sponsored by the Employee Benefit Research Institute and Mathew Greenwald & Associates. It then examines differences and trends in...

This paper presents findings from the 2012 EBRI/MGA Consumer Engagement in Health Care Survey. This study is based on an online survey of 4,498 privately insured adults ages 21-64 and was designed to provide nationally representative data regarding the growth of account-based health plans and...

This paper presents findings from the 2014 EBRI/Greenwald & Associates Consumer Engagement in Health Care Survey (CEHCS). This study was based on an online survey of 3,887 privately insured adults ages 21-64 that was designed to provide nationally representative data regarding the growth of...

This paper examines data from the EBRI HSA Database to get a better understanding of who is using the investment-account option, and how account balances and contributions differ with respect to whether there is an open investment option in a health savings account (HSA). It focuses on the 1.2...

This paper examines satisfaction with various aspects of health care by type of health plan. It examines satisfaction 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...

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...