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

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Title: Health savings accounts for small businesses and entrepreneurs : shopping, take-Up and implementation challenges
Authors: Gates, Susan M.
Karaca-Mandic, Pinar
Burgdorf, James R.
Kapur, Kanika
Permanent link: http://hdl.handle.net/10197/2623
Date: Nov-2009
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.
Funding Details: Not applicable
Type of material: Working Paper
Publisher: University College Dublin. School of Economics
University College Dublin. Geary Institute
Subject LCSH: Health insurance
Small business
Language: en
Status of Item: Not peer reviewed
Appears in Collections:Geary Institute Working Papers
Economics Working Papers & Policy Papers

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