EMPLOYMENT-BASED HEALTH-INSURANCE AND JOB MOBILITY - IS THERE EVIDENCE OF JOB-LOCK
EMPLOYMENT-BASED HEALTH-INSURANCE AND JOB MOBILITY - IS THERE EVIDENCE OF JOB-LOCK
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DOI：
10.2307/2118427
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发表时间：
1994-02-01
影响因子：
13.7
通讯作者：
MADRIAN, BC
中科院分区：
文献类型：
--
作者：
MADRIAN, BC
本文评估了雇主提供的医疗保险对工作流动性的影响，通过探索工人在多大程度上被“锁定”到他们的工作中，因为预先存在的条件排除使其昂贵的个人与医疗问题放弃他们目前的医疗保险。我通过比较医疗费用高和低的人与有和没有雇主提供的健康保险的人的流动率的差异来估计工作锁定的程度。利用1987年全国医疗支出调查的数据，我估计，工作锁定使那些拥有雇主提供的医疗保险的人的自愿离职率降低了25%，从每年16%降至12%。
This paper assesses the impact of employer-provided health insurance on job mobility by exploring the extent to which workers are ''locked'' into their jobs because preexisting conditions exclusions make it expensive for individuals with medical problems to relinquish their current health insurance. I estimate the degree of job-lock by comparing the difference in the turnover rates of those with high and low medical expenses for those with and without employer-provided health insurance. Using data from the 1987 National Medical Expenditure Survey, I estimate that job-lock reduces the voluntary turnover rate of those with employer-provided health insurance by 25 percent, from 16 percent to 12 percent per year.