Issue Briefs

Consumer-driven Health Plans: It is often assumed that consumer-driven health plan enrollees are more likely than those with traditional coverage to be young, because they use less health care, on average. However, that is generally not the case in recent years, according to new research by EBRI. Press release.

Multiple Retirement Plans: People who own more than one type of retirement plan are more likely to invest a higher percentage in equities (stocks) than those who don’t, according to new research by EBRI. Press release.

EBRI Notes Apr 25, 2013 20 pages

When Congress added a mandate to the federal health insurance reform law requiring group health plans to offer coverage to workers’ children up to age 26, little was known about how the provision would be used. New research by EBRI finds the mandate was more likely to be used to treat adult children with depression, substance abuse, and pregnancy. EBRI Issue Brief Apr 11, 2013 16 pages

Retirement-Savings Targets: The use of online calculators and retirement advisors has been linked to higher levels of retirement confidence – and with justification, according to new research from EBRI.

Health Benefits: With key provisions of the federal health care reform law scheduled to take effect in the near future, what’s in store for the existing system of employment-based health benefits? That was the focus of the 71st policy forum sponsored by EBRI, which brought in some of the nation’s top health experts, including Assistant Secretary of Labor Phyllis Borzi. Employment-based health benefits remain the most common form of health coverage in the United States.

EBRI Notes Mar 31, 2013 28 pages

Debt of the Elderly: American families headed by individuals age 75 or older had increases in the incidence of debt, the average amount of debt held, and the percentage with debt payments greater than 40 percent of their income in 2010, according to new research by EBRI. The driver of debt for families with a head age 55 or older was housing debt. Press release.

HRA/HSA Contributions: A growing share of both employers and individual participants are contributing to their health reimbursement arrangements (HRAs) and health savings accounts (HSAs), according to a new report from EBRI. Press release.

EBRI Notes Feb 21, 2013 28 pages

 Views on Health Coverage and Retirement: More than half of all workers say they intend to work longer than they would like in order to keep their health insurance at work, according to new research by EBRI. But less than 1 in 5 retirees say they were able to work longer to continue receiving health insurance through their jobs. Press release.

 

Tax Preferences and Mandates: A recent study found that tax incentives for retirement savings in Denmark had virtually no impact on increasing total savings But are those findings relevant to the United States? Maybe not, according to a new report by EBRI. Press release.

EBRI Notes Jan 31, 2013 16 pages

After a slight drop during the recent recession, health savings accounts (HSAs) and health reimbursement arrangements (HRAs) are showing renewed growth, with the average account balance increasing over the past two years, according to new research by EBRI. EBRI Issue Brief Jan 29, 2013 32 pages

Adults in a consumer-driven health plan (CDHP) were more likely than those in a traditional plan to exhibit a number of cost-conscious behaviors, according to new research from EBRI. EBRI Issue Brief Dec 18, 2012 28 pages

A growing number of workers are realizing they will not get retiree health care from their employer after they stop working, according to a new report by EBRI. While earlier research found little impact from reductions in coverage on current retirees, EBRI finds that initial changes employers made to retiree health benefits affected future retirees as opposed to then-current retirees. Over time, more and more retirees have “aged into” those program changes, resulting in the greater impact found in more recent studies. EBRI Issue Brief Oct 23, 2012 24 pages

The uninsured rate for working-age Americans ticked down in 2011, but only because public program coverage grew faster than employment-based health insurance coverage declined, according to a new report by EBRI. While employment-based health coverage is still the dominant source of health insurance in the United States, it has been steadily shrinking since 2000. EBRI Issue Brief Sep 27, 2012 36 pages

Workers routinely rank their employment-based health coverage as the most important benefit they receive, followed by a retirement plan—but the tax preferences that support them are drawing increased scrutiny. Drawing from presentations at EBRI’s 70th biannual policy forum, this Issue Brief examines the implications, costs, and consequences of changes to federal tax preferences for private-sector employment-based benefits. EBRI Issue Brief Aug 28, 2012 24 pages