Health Savings Accounts for Small Businesses and Entrepreneurs: Shopping, Take-Up and Implementation Challenges
AbstractA combination of high deductible health plans (HDHPs) and health savings accounts (HSAs) holds promise for expanding health insurance for small firms. We provide information on HSA take-up and shopping behavior from a 2008 survey of female small business owners, revealing that the HSA marketplace can be confusing for small firms. HSAs may have expanded access to health insurance for the smallest firms (under three employees), but not for small firms more generally. A sizable number of firms offering HSA-eligible insurance did not offer attached HSAs. Firms offering HSAs were satisfied with their experiences, but faced challenges in implementing them.
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Bibliographic InfoPaper provided by Geary Institute, University College Dublin in its series Working Papers with number 200938.
Length: 26 pages
Date of creation: 17 Nov 2009
Date of revision:
Health Savings Accounts; Health Insurance Costs; Small Business;
Other versions of this item:
- Susan M Gates & Pinar Karaca-Mandic & James R Burgdorf & Kanika Kapur, 2009. "Health Savings Accounts for Small Businesses and Entrepreneurs: Shopping, Take-Up and Implementation Challenges," Working Papers 200925, School Of Economics, University College Dublin.
- NEP-ALL-2009-11-27 (All new papers)
- NEP-IAS-2009-11-27 (Insurance Economics)
- NEP-MIC-2009-11-27 (Microeconomics)
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
- Susan M. Gates & Kanika Kapur & Pinar Karaca-Mandic, 2008. "Consumer-Directed Health Plans and Health Savings Accounts: Have They Worked for Small Business?," Forum for Health Economics & Policy, De Gruyter, vol. 11(2), pages 4.
- Juergen Jung & Chung Tran, 2008.
"The Macroeconomics of Health Savings Accounts,"
Caepr Working Papers
2007-023, Center for Applied Economics and Policy Research, Economics Department, Indiana University Bloomington.
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