Health savings accounts for small businesses and entrepreneurs: shopping, take-Up and implementation challenges

Susan M. Gates, Pinar Karaca-Mandic, James R. Burgdorf and Kanika Kapur

No 200925, Working Papers from School of Economics, University College Dublin

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.

Keywords: Health insurance; Small business (search for similar items in EconPapers)
Date: 2009-11
New Economics Papers: this item is included in nep-hea and nep-ias
References: View references in EconPapers View complete reference list from CitEc
Citations: View citations in EconPapers (1)

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http://hdl.handle.net/10197/2623 First version, 2009 (application/pdf)

Related works:
Working Paper: Health Savings Accounts for Small Businesses and Entrepreneurs: Shopping, Take-Up and Implementation Challenges (2009)
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Persistent link: https://EconPapers.repec.org/RePEc:ucn:wpaper:200925

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