This study examines how the undervaluation of funds in Medical Savings Accounts (MSAs)
influences healthcare utilization in China. Given that MSA funds are restricted to healthcare …

This paper evaluates racial inequalities in health-care affordability between high-deductible
and conventional insurance. Using the 2011-2017 National Health Interview Survey, the …

Two decades ago Congress enabled Americans to open tax-favored health savings
accounts (HSAs) in conjunction with qualifying high-deductible health plans (HDHPs). This …

Prior research documents that there are sometimes dominated options in health plan
menus, but is that common? We analyze Kaiser Family Foundation data on health plans that …

Importance Approximately 30% of US families with employer-sponsored health insurance,
disproportionately drawn from high-income groups, benefit from flexible spending accounts …

Notes: Data from continuance tables provided by CMS for estimating the actuarial value of
plans in the Affordable Care Act exchanges. The distribution corresponds to Gold metal tier …

Workplace benefits now comprise roughly one-third of total employee compensation. At the
same time, the choice of benefits has grown increasingly complex. Using a novel survey at …

ABSTRACT A marked feature of health insurance plan choice is inconsistent choices
through the overweighting of premiums relative to out-of-pocket spending. We show that this …

This paper analyzes how Health Savings Accounts (HSAs) can be used in conjunction with
other savings vehicles to improve retirement preparedness. We build a life-cycle model that …

Purpose: Health insurance serves as a lifeline with the prospect of financial security in the
face of an insurance system, thinking that accidents in human life can occur at any time. This …