HEALTH INSURANCE REFORM, OLDER WORKERS, AND RETIREMENT

拟议研究的目标是模拟 老年工人和退休人员的替代医疗保险改革 才有资格享受医保我打算估计一下 不同的改革将影响工人的退休决定， 企业的就业和薪酬决定，以及 医疗保险覆盖率的一半。 更具体地说，该项目有四个目标： 1)为了确定雇主如何提供健康保险， 退休人员影响退休决定，将这种影响与 社会保障和公司养老金计划，并评估 保险覆盖范围与个人健康状况的相互作用 决定退休。 2)估计补贴政策的效果， 健康保险对老年工人的覆盖范围， 提前退休 3)为了确定强制雇主提供 老年人就业和补偿的健康保险 工人，他们的保险费用比年轻人高。 4)利用这些发现来模拟不同保险的影响， 退休决定和老年工人福利方面的改革 提前退休。 尽管下文所述的分析将集中于有限的 我提出了一系列改革建议，我建立的框架将是 足够普遍，足以涵盖对大多数未来影响的分析 性改革 我将使用各种数据源，包括最 为老年工人和早期工人收集的全面数据集 退休人员 我的分析的一个关键特征将是使用“自然” 实验”识别策略，利用变化 从现有的政策差异来分析未来的政策变化， 这让我能够绕过过去研究者的问题， 分离感兴趣的经济变量的因果效应。

The goal of the proposed research is to model the effect of alternative health insurance reforms on older workers and retirees before they become eligible for Medicare. I plan to estimate how different reforms will affect the retirement decisions of workers, the employment and compensation decisions of firms, and the extent of health insurance coverage among the pre-Medicare population. More specifically, the project has four aims: 1) To determine how employer provision of health insurance to retirees affects retirement decisions, to compare this effect to those of social security and firm pension plans, and to assess the interaction of insurance coverage with individual health status in determining retirement. 2) To estimate the effect of policies which subsidize the price of health insurance on the extent of coverage of older workers and early retirees. 3) To determine the effects of mandated employer provision of health insurance on the employment and compensation of older workers, who cost more than their younger counterparts to insure. 4) To use these findings to model the effect of different insurance reforms on retirement decisions and the well being of older workers and early retirees. Although the analysis described below will focus on a limited number of reform proposals, the framework which I establish will be general enough to encompass analysis of the effects of most future reforms. I will use a variety of data sources, including the most comprehensive data set ever collected for older workers and early retirees. A key feature of my analysis will be the use of "natural experiment" identification strategies, which exploit the variation from existing policy differences to analyze future policy changes, allowing me to circumvent the problems of past researchers in isolating the causal effects of the economic variables of interest.