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Health Savings Accounts for Small Businesses and Entrepreneurs: Shopping, Take-Up and Implementation Challenges

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Author Info

  • Susan M. Gates

    (RAND Corporation)

  • Pinar Karaca-Mandic

    (University of Minnesota and RAND Corporation)

  • James R. Burgdorf

    (RAND Corporation)

  • Kanika Kapur

    (School of Economics and Geary Institute, University College Dublin and RAND Corporation)

Abstract

A 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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File URL: http://www.ucd.ie/geary/static/publications/workingpapers/gearywp200938.pdf
File Function: First version, 2009
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Bibliographic Info

Paper provided by Geary Institute, University College Dublin in its series Working Papers with number 200938.

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Length: 26 pages
Date of creation: 17 Nov 2009
Date of revision:
Handle: RePEc:ucd:wpaper:200938

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Related research

Keywords: Health Savings Accounts; Health Insurance Costs; Small Business;

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  1. Gates Susan M & Kapur Kanika & Karaca-Mandic Pinar, 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 1-22, April.
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Cited by:
  1. Juergen Jung & Chung Tran, 2010. "The Macroeconomics of Health Savings Accounts," Working Papers 2010-12, Towson University, Department of Economics, revised May 2011.

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