How Does Retiree Health Insurance Influence Public Sector Employee Saving?
AbstractEconomic theory predicts that employer-provided retiree health insurance benefits crowd-out household wealth accumulation. Nevertheless, there is little research on the impacts of retiree health insurance on wealth accruals, so this paper utilizes a unique data file on three baseline cohorts from the Health and Retirement Study to explore how employer-provided retiree health insurance may influence net household wealth among public sector employees, where retiree healthcare benefits are still quite prevalent. We find that most full-time public sector employees who anticipate receiving employer-provided health insurance coverage in retirement save less than their private sector uncovered counterparts.
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Bibliographic InfoPaper provided by National Bureau of Economic Research, Inc in its series NBER Working Papers with number 19511.
Date of creation: Oct 2013
Date of revision:
Publication status: published as Robert L. Clark, Olivia S. Mitchell. "How Does Retiree Health Insurance Influence Public Sector Employee Saving?," in Robert Clark and Joseph Newhouse, organizers, "State and Local Health Plans for Active and Retired Public Employees" Elsevier, Journal of Health Economics (2014)
Note: AG HE LS PE
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Find related papers by JEL classification:
- H75 - Public Economics - - State and Local Government; Intergovernmental Relations - - - State and Local Government: Health, Education, and Welfare
- I11 - Health, Education, and Welfare - - Health - - - Analysis of Health Care Markets
- I18 - Health, Education, and Welfare - - Health - - - Government Policy; Regulation; Public Health
- I30 - Health, Education, and Welfare - - Welfare, Well-Being, and Poverty - - - General
This paper has been announced in the following NEP Reports:
- NEP-AGE-2013-10-18 (Economics of Ageing)
- NEP-ALL-2013-10-18 (All new papers)
- NEP-HEA-2013-10-18 (Health Economics)
- NEP-IAS-2013-10-18 (Insurance Economics)
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