How do health savings accounts impact employee health and savings outcomes?


John Beshears, James Choi, David Laibson, Brigitte Madrian, Jonathan Kolstad, and Ben Handel


The goal of this project is to explore how Health Savings Accounts (HSAs) impact employee health care consumption and if saving in an HSA impacts employee savings in other domains, specifically in retirement accounts. We are partnering with a health insurance company to use their historical HR dataset on their employee HSA and 401(k) contribution rates, as well as their employee medical claims data to answer this research question. Our research will provide insights for policymakers and healthcare industry professionals seeking to reduce health care costs while maintaining or improving health care quality.