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View More EBRI [Employee Benefit Research Institute] Webcasts and Conferences

Health Savings Accounts: Save It or Spend It?

EBRI [Employee Benefit Research Institute]

Aug. 6, 2019
2:00 PM - 3:00 PM EDT


Employers have migrated to high-deductible health plans as a way to better manage overall health care costs. When plan members are exposed to a high deductible before insurance benefits are triggered, they are expected to make better health care use decisions. However, until recently, it was not known whether accumulated health savings account (HSA) balances would blunt the cost-reducing effect of the high deductible. Most HSA holders will build up an HSA balance (to the degree contributions are made) because most people are healthy and do not use a lot of health care services in any given year. Over time, growing HSA balances may mitigate the impact of the deductible. A recent EBRI study, “Do Accumulating HSA Balances Affect Use of Health Care Services and Spending?” explored this question in greater detail. This webinar will examine the findings from the EBRI study. Speakers will also address employer engagement of workers in HSAs.


  • Paul Fronstin, Director, Health Research Program, EBRI
  • Eric Record, Wellbeing and Benefits Leader, Steel Dynamics, Inc
  • Jennifer Benz, Senior Vice President, Segal Benz
  • Moderated by: Lori Lucas, President and CEO, EBRI

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