医疗储蓄账户和医疗报销安排:资产、账户余额和展期,2006-2010年。

EBRI issue brief Pub Date : 2011-01-01
Paul Fronstin
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引用次数: 0

摘要

资产水平不断增长:2010年,医疗储蓄账户(HSAs)和医疗报销安排(HRAs)共有77亿美元,分布在570万个账户中。2006年有120万个账户,资产为8.354亿美元;2009年有500万个账户,资产为71亿美元。平衡后,平均账户余额略有下降:平均账户余额的增长在2008年和2009年趋于平稳,2010年略有下降。2006年,账户余额平均为696美元。2007年,这一数字增加到1320美元,增长了90%。2008年的平均账户余额为1356美元,2009年为1419美元,分别增长了3%和5%。2010年,平均账户余额降至1355美元,比前一年下降了4.5%。平均展期下降,而总展期增加:尽管2010年平均展期金额下降,但被展期的总资产一直在增加。2010年有42亿美元的资金被展期,高于2009年的40亿美元。平均展期从2006年的592美元增加到2009年的1295美元,2010年降至1029美元。没有展期的个人比例从2006年的23%下降到2009年的10%,2010年略有上升到13%。健康的行为意味着更高的账户余额和更高的滚动:运动的人、不吸烟的人和不肥胖的人比那些行为不健康的人有更高的账户余额和更高的滚动。研究还发现,与不使用此类信息的人相比,使用成本或质量信息的人有更高的账户余额和更高的展期。然而,没有发现账户余额或展期金额与各种成本意识行为之间的关系,例如在获得服务之前检查价格或要求仿制药而不是品牌药等。账户余额的差异:男性的账户余额高于女性,老年人的账户余额高于年轻人,账户余额随着家庭收入的增加而增加,教育对账户余额有显著影响,独立于收入和其他变量。滚转金额的差异:男性比女性滚转更多的钱,老年人的滚转金额比年轻人高。滚转金额随着家庭收入和教育程度的增加而增加,单独参保的个人滚转金额高于家庭参保的个人。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Health savings accounts and health reimbursement arrangements: assets, account balances, and rollovers, 2006-2010.

ASSET LEVELS GROWING: In 2010, there was $7.7 billion in health savings accounts (HSAs) and health reimbursement arrangements (HRAs), spread across 5.7 million accounts. This is up from 2006, when there were 1.2 million accounts with $835.4 million in assets, and 2009, when 5 million accounts held $7.1 billion in assets. AFTER LEVELING OFF, AVERAGE ACCOUNT BALANCE DROPS SLIGHTLY: Increases in average account balances leveled off in 2008 and 2009, and fell slightly in 2010. In 2006, account balances averaged $696. They increased to $1,320 in 2007, a 90 percent increase. Account balances averaged $1,356 in 2008 and $1,419 in 2009, 3 percent and 5 percent increases, respectively. In 2010, average account balances fell to $1,355, down 4.5 percent from the previous year. AVERAGE ROLLOVER DECLINES, WHILE TOTAL ROLLOVERS INCREASE: Despite a decline in the average rollover amount in 2010, total assets being rolled over have been increasing. $4.2 billion was rolled over in 2010, up from $4 billion in 2009. The average rollover increased from $592 in 2006 to $1,295 in 2009, and fell to $1,029 in 2010. The percentage of individuals without a rollover decreased from 23 percent in 2006 to 10 percent in 2009 and increased slightly to 13 percent in 2010. HEALTHY BEHAVIOR MEANS HIGHER ACCOUNT BALANCES AND HIGHER ROLLOVERS: Individuals who exercised, those who did not smoke, and those who were not obese had higher account balances and higher rollovers than those with less healthy behaviors. It was also found that individuals who used cost or quality information had higher account balances and higher rollovers compared with those who did not use such information. However, no relationship was found between either account balance or rollover amounts and various cost-conscious behaviors such as checking pricing before getting services or asking for generic drugs instead of brand names, among other things. DIFFERENCES IN ACCOUNT BALANCES: Men have higher account balances than women, older individuals have higher account balances than younger ones, account balances increase with household income, and education has a significant impact on account balances independent of income and other variables. DIFFERENCES IN ROLLOVER AMOUNTS: Men rolled over more money than women, and older individuals had higher rollover amounts than younger individuals. Rollover amounts increase with household income and education, and individuals with single coverage rolled over a higher amount than those with family coverage.

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