Hi, I'm Jake Spiegel
Education
Master of Science, Applied Economics, Johns Hopkins University
Bachelor of Science, Economics, Carnegie Mellon University, additional major in Ethics, History, and Public Policy
Experience
Research Associate, Health and Wealth, Employee Benefit Research Institute,Washington, DC
At EBRI, my research focuses on employer-sponsored health plans, public policy, and employee outcomes.
Senior Research Analyst, Morningstar, Inc., Washington, DC
At Morningstar, I worked on the policy research team, where I conducted economic analyses of public policy issues. I analyzed publicly-available government survey data, as well as public SEC disclosures to inform Morningstar's institutional positions. I built sophisticated econometric models to quantify the effects of regulations and policies. I wrote white papers based on these analyses, as well as articles for Morningstar Magazine and the Morningstar blog to distill our findings for a wider audience.
Data Analyst, HelloWallet, Washington, DC
I conducted personal finance research to help establish HelloWallet as a thought leader in the personal finance space. I analyzed HelloWallet's own user data to unearth insights into how users' behaviors changed after signing up for the app. I also wrote several white papers exploring topics in retirement and health care spending.
Research Assistant, American Institutes for Research, Washington, DC
I was a research assistant on numerous education research projects, including evaluating the efficacy of educational interventions on student outcomes. This was where I was first exposed to statistical programming in a professional setting!
Selected papers
"What Employers Say About the Future of Employer-Sponsored Health Insurance" Commonwealth Fund Issue Brief DOI: https://doi.org/10.26099/1ead-x061, 2023
"The Virtual Impact: An Analysis of Telemedicine and Its Relationship With Other Health Care Services, Enrollee Health, and Costs" EBRI Issue Brief, Employee Benefit Research Institute, 2022
"Recent Trends in Out-of-Pocket Cost Sharing" EBRI Issue Brief, Employee Benefit Research Institute, 2022
"Findings from EBRI's FSA Database, 2020" EBRI Issue Brief, Employee Benefit Research Institute, 2022
"Examining HSAs Through a DEI Lens" The Journal of Retirement Race, Gender, and Retirement, 9 (4) 47-60; DOI: https://doi.org/10.3905/jor.2022.1.106 2022
"The More Things Change, the More They Stay the Same: An Analysis of the Generosity of Employment-Based Health Insurance, 2013-2019" EBRI Issue Brief, Employee Benefit Research Institute, 2021
"Who, What, When, Where, and Why: Trends in Telemedicine Usage From 2016-2020" EBRI Issue Brief, Employee Benefit Research Institute, 2021
"The Webcam Will See You Now: A Review of Telemedicine During the COVID-19 Era" EBRI Issue Brief, Employee Benefit Research Institute, 2021
"Health Savings Account Balances, Contributions, Distributions, and Other Vital Statistics, 2019: Statistics From the EBRI HSA Database" EBRI Issue Brief, Employee Benefit Research Institute, 2021
"Future of Health Benefits in the Workplace: Employers' Perspectives During the COVID-19 Crisis" EBRI Issue Brief, Employee Benefit Research Institute, 2020
"Money Can't Buy Me Love, but It Might Buy Me Medicare: An Analysis of the Impact of a Medicare Buy-in on Employers" EBRI Issue Brief, Employee Benefit Research Institute, 2020
"COBRA: A Closer Look at Who Enrolls and the Case for Subsidies" EBRI Issue Brief, Employee Benefit Research Institute, 2020
"Are HSA Investors Born or Made?" EBRI Issue Brief, Employee Benefit Research Institute, 2020
"Conflicts of Interest in Mutual Fund Sales: What Do the Data Tell Us?" Journal of Retirement, Winter 2019 6 (3) 46-59
"Small Plans, Big Problems" Morningstar, Inc, 2018
"2017 Health Savings Account Landscape." Morningstar, Inc, 2017
"Two's a Crowd: Are Retirement Savings Being Crowded Out by Student Loans?" Morningstar, Inc, 2016
"Health Savers: The Consumer Finance of Health Savings Accounts." HelloWallet, 2015
"Debt Savers in Defined Contribution Plans." HelloWallet, 2013