Analysis

What plan sponsors should expect from a rule that's "a game-changer."

3 things in particular helped DC plans gain ground.

People more likely to not overspend were those with pension income, homeowners, and those who claimed Social Security later rather than earlier.

Investors, particularly institutional investors, would be hard hit, researchers say, and city centers would suffer.

Previously, little was known about how workers use -- or don't use -- flexible spending accounts.

6 in 10 working-age adults with coverage have gone into debt getting care in the past five years, a rate only slightly lower than the uninsured.