Health Insurance Costs and Early Retirement Decisions

نویسندگان

  • Richard W. Johnson
  • Amy J. Davidoff
چکیده

This project was funded by the Robert Wood Johnson Foundation, under the Changes in Health Care Financing and Organization (HCFO) initiative, grant number 29201. An earlier version of the paper was presented at the 1999 annual meeting of the Population Association of America. The authors are grateful to Linda Bilheimer, Pam Loprest, Stan Panis, Cori Uccello, Sheila Zedlewski, and especially Len Burman for helpful comments and advice. Address correspondence to Richard W. Johnson, The Urban Institute, 2100 M St., N.W., Washington, D.C. 20037; Voice: (202) 261-5541; Fax: (202) 833-4388; e-mail: [email protected]. The opinions expressed here are those of the authors, and do not necessarily reflect the views of the Urban Institute or the Robert Wood Johnson Foundation.

برای دانلود متن کامل این مقاله و بیش از 32 میلیون مقاله دیگر ابتدا ثبت نام کنید

ثبت نام

اگر عضو سایت هستید لطفا وارد حساب کاربری خود شوید

منابع مشابه

Impact of Retiree Health Plans on Faculty Retirement Decisions†

This paper considers the effect of retiree health insurance coverage on retirement decisions of academics, and attempts to answer two key questions of interest in this conference volume: 1) how do retiree health insurance plans affect retirement decisions? and 2) if retiree health plans are cut back or eliminated, by how much will faculty delay their retirements? I argue that the risk of uninsu...

متن کامل

Early retirement and the influence on healthcare budgets and insurance premiums in a diabetes population

OBJECTIVES To contribute to current discussions about budget impact modeling, two different approaches for the impact of a new pharmaceutical product were analyzed: firstly considering the impact on annual healthcare expenditures only, and secondly additional inclusion of lost insurance premiums due to possible early retirement in patients with chronic diseases. METHODS The dynamic model calc...

متن کامل

A modeling framework for optimal long-term care insurance purchase decisions in retirement planning.

The level of need and costs of obtaining long-term care (LTC) during retired life require that planning for it is an integral part of retirement planning. In this paper, we divide retirement planning into two phases, pre-retirement and post-retirement. On the basis of four interrelated models for health evolution, wealth evolution, LTC insurance premium and coverage, and LTC cost structure, a f...

متن کامل

Health Insurance Availability and the Retirement Decision

Because individuals aged 55-64 face large and uncertain medicaJ expenditures without the guarantee of public insurance coverage provided by Medicare, the availability of post-retirement health insurance could be an important determinant in the retirement decisions of this group. We investigate the effect of health insurance on retirement by focusing on state and federal "continuation of coverag...

متن کامل

The erosion of retiree health benefits and retirement behavior: implications for the disability insurance program.

The effects of retiree health insurance on the decision to retire have not been examined until recently. It is an area of increasing significance because of rising health care costs for retirees, the uncertain future of Medicare, and increased life expectancy. In general, studies suggest that individual retirement decisions are strongly responsive to the availability of retiree health insurance...

متن کامل

Retiree health benefits: savings needed to fund health care in retirement.

• This Issue Brief presents illustrations of how much money a person may need to save to completely pay for health insurance and out-of-pocket health care costs during retirement. The combination of the erosion of retiree health benefits and limited benefits from Medicare and Medigap means that retirees should expect to pay a significant amount of money for health insurance and health care serv...

متن کامل

ذخیره در منابع من


  با ذخیره ی این منبع در منابع من، دسترسی به آن را برای استفاده های بعدی آسان تر کنید

برای دانلود متن کامل این مقاله و بیش از 32 میلیون مقاله دیگر ابتدا ثبت نام کنید

ثبت نام

اگر عضو سایت هستید لطفا وارد حساب کاربری خود شوید

عنوان ژورنال:

دوره   شماره 

صفحات  -

تاریخ انتشار 1999