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How Does Retiree Health Insurance Influence Public Sector Employee Saving?

  • Robert Clark
  • Olivia S. Mitchell

Economic 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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File URL: http://www.nber.org/papers/w19511.pdf
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Paper provided by National Bureau of Economic Research, Inc in its series NBER Working Papers with number 19511.

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Date of creation: Oct 2013
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Publication status: published as How Does Retiree Health Insurance Influence Public Sector Employee Saving? , Robert L. Clark, Olivia S. Mitchell. in State and Local Health Plans for Active and Retired Public Employees , Clark and Newhouse. 2014
Handle: RePEc:nbr:nberwo:19511
Note: AG HE LS PE
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  1. John B. Shoven & Sita Nataraj Slavov, 2013. "The Role of Retiree Health Insurance in the Early Retirement of Public Sector Employees," NBER Chapters, in: State and Local Health Plans for Active and Retired Public Employees National Bureau of Economic Research, Inc.
  2. Robert Novy‐Marx & Joshua Rauh, 2011. "Public Pension Promises: How Big Are They and What Are They Worth?," Journal of Finance, American Finance Association, vol. 66(4), pages 1211-1249, 08.
  3. Steven Nyce & Sylvester Schieber & John B. Shoven & Sita Slavov & David A. Wise, 2011. "Does Retiree Health Insurance Encourage Early Retirement?," NBER Working Papers 17703, National Bureau of Economic Research, Inc.
  4. David A. Love & Michael G. Palumbo & Paul A. Smith, 2008. "The Trajectory of Wealth in Retirement," Working Papers, Center for Retirement Research at Boston College wp2008-7, Center for Retirement Research, revised Feb 2008.
  5. Martha Starr-McCluer, 1994. "Health insurance and precautionary saving," Finance and Economics Discussion Series 94-10, Board of Governors of the Federal Reserve System (U.S.).
  6. Katharine Anderson & Eric French & Tina Lam, 2004. "You can't take it with you: asset run-down at the end of the life cycle," Economic Perspectives, Federal Reserve Bank of Chicago, issue Q III, pages 40-54.
  7. Lynn A. Karoly & Jeannette A. Rogowski, 1994. "The Effect of Access to Post-Retirement Health Insurance on the Decision to Retire Early," ILR Review, Cornell University, ILR School, vol. 48(1), pages 103-123, October.
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