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Health Insurance and Early Retirement PDF
By:Jonathan Gruber,Brigitte Condie Madrian
Published on 1993 by

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Although the vast majority of working individuals aged 55-64 receive health insurance coverage through their employment, many of these individuals face the prospect of losing such coverage should they retire before becoming eligible for guaranteed public coverage through Medicare at age 65. Because the expected medical expenses of this group are large and uncertain, the availability of health insurance coverage after retirement could be a key factor in the retirement decision of older workers. We examine the effect of health insurance on retirement by looking at variation in state and federal 'continuation of coverage' mandates, laws which allow individuals to continue purchasing health insurance through a previous employer for a specified number of months after leaving the firm. By allowing individuals to maintain their employer-provided health insurance after retirement, these laws decrease the cost of early retirement for those who do not have other retiree health insurance available. Using data on 55-64 year old men from the Current Population Survey, we find that one year of continuation benefits increases the probability of being retired by 1 percentage point; this represents a 5.4 percent increase in the baseline probability of being retired for this group. We also find that continuation mandates increase the likelihood of being insured after retirement.

This Book was ranked at 28 by Google Books for keyword Health Insurance.

Book ID of Health Insurance and Early Retirement's Books is 3cUxAAAAMAAJ, Book which was written byJonathan Gruber,Brigitte Condie Madrianhave ETAG "MJ/b32ReGU4"

Book which was published by since 1993 have ISBNs, ISBN 13 Code is and ISBN 10 Code is

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