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

Author

Listed:
  • 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.

Suggested Citation

  • 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 200938, Geary Institute, University College Dublin.
  • Handle: RePEc:ucd:wpaper:200938
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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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    References listed on IDEAS

    as
    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, 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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    Keywords

    Health Savings Accounts; Health Insurance Costs; Small Business;

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