Using the 2018 Massachusetts Employer Survey, this brief works to expand the understanding of employee access to and enrollment of high deductible health plan (HDHPs) at Massachusetts firms, with a focus on the availability of tax-deferred savings options (health savings accounts or health reimbursement accounts), in conjunction with HDHPs, as a resource to help employees offset costs.
The majority of Massachusetts residents obtain health insurance through their own or a family member’s employer. Employer-sponsored insurance shapes the health insurance markets in the state and impacts the demand for the state’s public insurance programs, including MassHealth.
The Massachusetts Employer Survey, an ongoing health insurance survey of employers, tracks and monitors employer health insurance offerings, employee take-up rates, cost-sharing, plan characteristics, and employer decision making. It was conducted on a biennial basis from 2001 through 2009; then in 2010, 2011, 2014, 2016, and 2018.
In order to provide a better understanding of the employer health insurance market in the Commonwealth, the 2018 MES has several key updates: inclusion of a panel sample to allow for longitudinal data analysis, additional questions regarding part-time workers’ health insurance benefits, and improved comparability of its key measures to national benchmarks.