Does Retiree Health Insurance Encourage Early Retirement?

  title={Does Retiree Health Insurance Encourage Early Retirement?},
  author={Steven A. Nyce and Sylvester J. Schieber and John B. Shoven and Sita Nataraj Slavov and David A. Wise},
  journal={Alfred P. Sloan Foundation Economic Research Paper Series},
The Role of Retiree Health Insurance in the Early Retirement of Public Sector Employees
Health Insurance, Retirement Decisions and the Value of Medicare
A retirement model is built to quantify the value (willingness-to-pay) of Medicare and estimates counterfactual retirement patterns under policy reforms such as shifting Medicare eligibility age and providing health insurance premium subsidies.
Health Insurance and Early Retirement Plans: Evidence from the Affordable Care Act
The ACA decreased the subjective probability of working past age 62 by 5.6 percentage points, representing a 9.9 percent decline, among persons without employer- sponsored retiree coverage relative to persons with employer-sponsored benefits.
Retiree Health Insurance and the Retirement Plans of College and University Faculty
  • R. Clark
  • Economics
    The Journal of Retirement
  • 2015
Economists conjecture that employer-provided pensions create an incentive for early retirement, in that employees with such pensions can afford to work fewer years and save less. A similar effect
Health Reform and Health Insurance Coverage of Early Retirees
The results suggest that the major coverage provisions of the ACA have increased coverage among early retirees, with particularly large gains among those with very low income in states that expanded Medicaid.
Health insurance reform and retirement: Evidence from the Affordable Care Act.
  • K. Wood
  • Medicine, Economics
    Health economics
  • 2019
Estimating the effect of the premium subsidies and Medicaid expansions of the ACA on retirement transitions for the non-Medicare eligible cohort of older Americans aged 55-64 finds suggestive evidence of crowd-out of employer-sponsored insurance by subsidized marketplace plans but finds no such effects from the Medicaid expansions.
Means Testing Federal Health Entitlement Benefits
A measure of lifetime income is introduced that compares favorably to current income as a basis for means testing and offers less short-term variation in premiums while improving incentives for preretirement work and saving.
The Affordable Care Act as retiree health insurance: implications for retirement and Social Security claiming
This paper investigates the effects of the Affordable Care Act (ACA) on retirement. The first part of the paper is a difference-in-difference analysis of changes in retirement (and retirement
Health Reform and Retirement
Although many observers had predicted that an unintended consequence of health reform would be reduced labor supply, there is no evidence of this for older workers in the first 2.5 years after the law's major coverage provisions took effect.


Health Insurance Availability and the Retirement Decision
A sizeable and significant effect of continuation coverage on retirement is found; one year of mandated continuation benefits raises retirement rates by 20%.
Employer-sponsored health insurance for early retirees: impacts on retirement, health, and health care
  • E. Strumpf
  • Medicine, Economics
    International Journal of Health Care Finance and Economics
  • 2009
Estimates of the value of RHI of over $4,000 per year suggest that increasing opportunities for the near-elderly to purchase coverage at actuarially-fair prices through the individual market or public programs could significantly increase insurance coverage and reduce financial risk for this age group.
Health Insurance and Retirement of Married Couples
A dynamic model of the employment behavior of older married couples that includes risky medical expenditure and health insurance is solved and an estimate of the effects on employment of changing the age of eligibility for Medicare from 65 to 67 is estimated.
Retiree Health Insurance and Disengagement from a Career Job
Over the past two decades the prevalence of partial/phased retirements has increased dramatically, redefining retirement and the way in which retirement benefits are evaluated. Specifically the
The Effect of Health Insurance on Retirement
There is mounting concern that employer-provided health insurance discourages individuals with preexisting conditions from changing jobs and, for those who do change jobs, it often means finding a new doctor because insurance plans vary from firm to firm.
Retiree Health Insurance and the Labor Force Behavior of Older Men in the 1990s
The impact of cost-shared EPRHI on the annual rate of labor force exit increases with age, reaching 7.5 percentage points by age 61.
The Effect of Access to Post-Retirement Health Insurance on the Decision to Retire Early
The estimates from probit models of retirement during the SIPP panel period show that the offer of continued employer-provided health insurance coverage after retirement increased the likelihood of retirement before age 65.
How Does Health Insurance Affect the Retirement Behavior of Women?
  • K. KapurJ. Rogowski
  • Medicine, Economics
    Inquiry : a journal of medical care organization, provision and financing
  • 2011
It is shown that retiree health insurance increases retirement for all groups except single men, and suggestive evidence that the role of health insurance for women hinges on their husbands' labor force status is found.
The Role of Retiree Health Insurance in the Employment Behavior of Older Men
Simulations imply that changes in health insurance, including access and restrictions to retiree health insurance and Medicare, have a modest impact on employment behavior among older males, with the greatest effect on men in bad health.