Over the last two decades, state and local governments have adopted policies requiring employers to electronically verify (E-Verify) the work eligibility of their new hires, in an effort to disrupt unauthorized immigrants’ access to the formal labor market. These EVerify mandates previously enjoyed bipartisan support, and the Trump administration has identified a nationwide E-Verify mandate as an immigration policy priority. I show in this paper that state E-Verify mandates are associated with a 5 percentage point reduction in the probability that likely-unauthorized immigrants are employed and a 2 percentage point reduction in the probability that they have employer-sponsored insurance. However, these changes are limited to one period after implementation. In all remaining periods, the relationships are not distinguishable from zero. I show that this pattern can be explained by selective outmigration of otherwise unemployed and uninsured likely-unauthorized immigrants. By preventing unauthorized immigrants from moving to a more favorable policy environment, a nationwide E-Verify mandate would likely further limit unauthorized immigrants’ access to private health insurance.
{"title":"E-Verify Mandates and Unauthorized Immigrants' Access to Employer-Sponsored Health Insurance","authors":"Brandyn F. Churchill","doi":"10.2139/ssrn.3696934","DOIUrl":"https://doi.org/10.2139/ssrn.3696934","url":null,"abstract":"Over the last two decades, state and local governments have adopted policies requiring employers to electronically verify (E-Verify) the work eligibility of their new hires, in an effort to disrupt unauthorized immigrants’ access to the formal labor market. These EVerify mandates previously enjoyed bipartisan support, and the Trump administration has identified a nationwide E-Verify mandate as an immigration policy priority. I show in this paper that state E-Verify mandates are associated with a 5 percentage point reduction in the probability that likely-unauthorized immigrants are employed and a 2 percentage point reduction in the probability that they have employer-sponsored insurance. However, these changes are limited to one period after implementation. In all remaining periods, the relationships are not distinguishable from zero. I show that this pattern can be explained by selective outmigration of otherwise unemployed and uninsured likely-unauthorized immigrants. By preventing unauthorized immigrants from moving to a more favorable policy environment, a nationwide E-Verify mandate would likely further limit unauthorized immigrants’ access to private health insurance.","PeriodicalId":228022,"journal":{"name":"HEN: Employer Insurance (Sub-Topic)","volume":"58 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-04-12","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126959068","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This paper investigates the impact of a corporate wellness program on worker productivity using a panel of objective health and productivity data from 111 workers in five laundry plants. Although almost 90% of companies use wellness programs, existing research has focused on cost savings from insurance and absenteeism. We find productivity improvements based both on program participation and postprogram health changes. Sick and healthy individuals who improved their health increased productivity by about 10%, with surveys indicating sources in improved diet and exercise. Although the small worker sample limits both estimate precision and our ability to isolate mechanisms behind this increase, we argue that our results are consistent with improved worker motivation and capability. The study suggests that firms can increase operational productivity through socially responsible health policies that improve both workers’ wellness and economic value, and provides a template for future large-scale studies of he...
{"title":"Doing Well by Making Well: The Impact of Corporate Wellness Programs on Employee Productivity","authors":"Timothy Gubler, Ian Larkin, L. Pierce","doi":"10.2139/ssrn.2811785","DOIUrl":"https://doi.org/10.2139/ssrn.2811785","url":null,"abstract":"This paper investigates the impact of a corporate wellness program on worker productivity using a panel of objective health and productivity data from 111 workers in five laundry plants. Although almost 90% of companies use wellness programs, existing research has focused on cost savings from insurance and absenteeism. We find productivity improvements based both on program participation and postprogram health changes. Sick and healthy individuals who improved their health increased productivity by about 10%, with surveys indicating sources in improved diet and exercise. Although the small worker sample limits both estimate precision and our ability to isolate mechanisms behind this increase, we argue that our results are consistent with improved worker motivation and capability. The study suggests that firms can increase operational productivity through socially responsible health policies that improve both workers’ wellness and economic value, and provides a template for future large-scale studies of he...","PeriodicalId":228022,"journal":{"name":"HEN: Employer Insurance (Sub-Topic)","volume":"48 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2017-06-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128162252","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
We develop a rich model to study the complex interrelationship between health insurance and retirement decisions. The decision to retire depends on a number of factors including availability of health insurance, health shocks, pensions, Social Security, and how consumption and health interact in the utility function. We incorporate these features in a computational model of optimal wealth and retirement decisions, solving the model household-by-household using data from the HRS. We use the model to study two important SSA priority areas: first, to what extent do people remain in the labor force until age 65 in order to maintain health insurance for themselves (and after age 65 to maintain health insurance for their spouses)? Second, do early retirees have poorer health than others and does the availability of Medicare interact with their decision to claim benefits?
{"title":"Health Insurance and Retirement Decisions","authors":"J. Scholz, Ananth Seshadri","doi":"10.2139/ssrn.2376496","DOIUrl":"https://doi.org/10.2139/ssrn.2376496","url":null,"abstract":"We develop a rich model to study the complex interrelationship between health insurance and retirement decisions. The decision to retire depends on a number of factors including availability of health insurance, health shocks, pensions, Social Security, and how consumption and health interact in the utility function. We incorporate these features in a computational model of optimal wealth and retirement decisions, solving the model household-by-household using data from the HRS. We use the model to study two important SSA priority areas: first, to what extent do people remain in the labor force until age 65 in order to maintain health insurance for themselves (and after age 65 to maintain health insurance for their spouses)? Second, do early retirees have poorer health than others and does the availability of Medicare interact with their decision to claim benefits?","PeriodicalId":228022,"journal":{"name":"HEN: Employer Insurance (Sub-Topic)","volume":"241 ","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2013-09-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133719629","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
We explore the feasibility of catastrophic health insurance established in conjunction with individual health accounts (IHAs). Under this plan, the employer establishes both a high-deductible health insurance plan and an IHA. Employee health care costs below the deductible are then paid out of the IHA; costs above the deductible are paid by the insurance plan. Assets remaining in the account when the employee retires are available for other purposes. Although attractive because it helps to solve the moral hazard problem associated with conventional insurance plans, the scheme may be considered infeasible if medical expenditures over a working life are so persistent that certain individuals accumulate little in the IHA while others accumulate a great deal. Within the context of an illustrative IHA plan, we develop preliminary empirical evidence on the distribution of medical expenditures and hence savings under an IHA plan. Our analysis is based on longitudinal health insurance claims data from a large firm. We emphasize the balance in the IHA account at retirement. Although such a plan would produce a range of balances across employees, approximately 80% would retain over 50% of their contributions. Only about 5% would retain less than 20% of their contributions. The outcomes suggest to us that such a plan is feasible. And, we believe that such a plan could be structured to increase retirement savings.
{"title":"Insurance or Self-Insurance?: Variation, Persistence, and Individual Health Accounts","authors":"M. Eichner, M. Mcclellan, D. Wise","doi":"10.3386/W5640","DOIUrl":"https://doi.org/10.3386/W5640","url":null,"abstract":"We explore the feasibility of catastrophic health insurance established in conjunction with individual health accounts (IHAs). Under this plan, the employer establishes both a high-deductible health insurance plan and an IHA. Employee health care costs below the deductible are then paid out of the IHA; costs above the deductible are paid by the insurance plan. Assets remaining in the account when the employee retires are available for other purposes. Although attractive because it helps to solve the moral hazard problem associated with conventional insurance plans, the scheme may be considered infeasible if medical expenditures over a working life are so persistent that certain individuals accumulate little in the IHA while others accumulate a great deal. Within the context of an illustrative IHA plan, we develop preliminary empirical evidence on the distribution of medical expenditures and hence savings under an IHA plan. Our analysis is based on longitudinal health insurance claims data from a large firm. We emphasize the balance in the IHA account at retirement. Although such a plan would produce a range of balances across employees, approximately 80% would retain over 50% of their contributions. Only about 5% would retain less than 20% of their contributions. The outcomes suggest to us that such a plan is feasible. And, we believe that such a plan could be structured to increase retirement savings.","PeriodicalId":228022,"journal":{"name":"HEN: Employer Insurance (Sub-Topic)","volume":"s3-39 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1996-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130161000","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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