退休人员健康保险在老年男性就业行为中的作用

D. Blau, Donna B. Gilleskie
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引用次数: 162

摘要

利用健康与退休调查的数据,我们估计了老年男性就业和医疗保健决策的结构模型的偏好和期望参数,以评估健康保险的作用。预算限制包括私人健康保险和医疗保险的详细费用分摊特点,以及与社会保障和私人养恤金有关的规则和要求。模拟表明,健康保险的变化,包括退休人员健康保险和医疗保险的获取和限制,对老年男性的就业行为影响不大,对健康状况不佳的男性影响最大。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
The Role of Retiree Health Insurance in the Employment Behavior of Older Men
Using data from the Health and Retirement Survey, we estimate preference and expectations parameters of a structural model of the employment and medical care decisions of older men in order to evaluate the role of health insurance. The budget constraint incorporates detailed cost-sharing characteristics of private health insurance and Medicare as well as rules and requirements associated with Social Security and private pensions. 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.
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