The effect of education on participation in flexible spending accounts

Vickie L. Hampton, Karrol A. Kitt, Sue Alexander Greninger, Thomas M. Bohman

Research output: Contribution to journalArticle

3 Scopus citations


In order to better understand employee benefit decisions, this research identified factors associated with the decision to participate in a flexible spending account (FSA) for medical expense reimbursement. Participation was positively related to income and to education. A logistic regression of the likelihood of participation on family income and education showed that participation increased with income, but at all income levels, participation increased with education. The independent effect of education suggests the need to more clearly communicate the benefits of such programs to those with less education.

Original languageEnglish
Pages (from-to)95-111
Number of pages17
JournalJournal of Financial Counseling and Planning
StatePublished - 1993


  • Education
  • Flexible spending accounts
  • Fringe benefits
  • Reimbursement accounts

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