The primary federal law governing employment-based retirement and health benefits in the private sector is the Employee Retirement Income Security Act of 1974, known as ERISA. Under ERISA, the regulation of employment-based health benefit plans has evolved into a system in which both the federal...

This paper presents findings from the 2007 Health Confidence Survey (HCS), the 10th wave of an annual survey to assess the attitudes of the American public regarding the health care system in the United States. Findings from the 2007 HCS demonstrate that rising health care costs increasingly are...

This paper examines public opinion surrounding employment-based health coverage. It uses data from the 2013 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 Health...

This paper presents findings from the 2013 EBRI/Greenwald & Associates Consumer Engagement in Health Care Survey (CEHCS). This study is based on an online survey of 3,853 privately insured adults ages 21-64 designed to provide nationally representative data regarding trends in account-based...

The Employee Benefit Research Institute (EBRI) has been conducting “value of benefits” surveys for 20 years to determine the relative importance of different benefits to workers and to assess the role played by benefits in job choice and job change. The surveys show consistency in the value...

Three years after passage of the Patient Protection and Affordable Care Act of 2010 (PPACA), implementation of many of its provisions and delay of others, the majority of workers continue to give low marks to the U.S. health care system, though the vast majority are satisfied with their own...

This paper provides historical data through 2012 on the number and percentage of nonelderly individuals with and without health insurance. Based on EBRI estimates from the U.S. Census Bureau’s March 2013 Current Population Survey (CPS), it reflects 2012 data and also discusses trends in...

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...