{"title":"健康保险与自我保险对退休行为的影响","authors":"Eric French, J. Jones","doi":"10.2139/ssrn.295560","DOIUrl":null,"url":null,"abstract":"\\tThis paper presents and estimates a dynamic programming model model of retirement behavior that accounts explicitly for the effects of health cost volatility and and health insurance on retirement behavior. The model includes a savings decision so that we are able to analyze whether self-insurance is an important mechanism for understanding how greatly individuals value health insurance. We present preliminary estimates from the Health and Retirement Survey. We find that the possibility of self-insurance significantly lessens an individual's valuation of health insurance. Therefore, failure to account for self-insurance potentially leads to overestimates of the effect of health insurance and Medicare on retirement behavior.","PeriodicalId":164882,"journal":{"name":"University of Michigan Retirement Research Center Research Paper Series","volume":"20 1","pages":"0"},"PeriodicalIF":0.0000,"publicationDate":"2007-10-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"439","resultStr":"{\"title\":\"The Effects of Health Insurance and Self-Insurance on Retirement Behavior\",\"authors\":\"Eric French, J. Jones\",\"doi\":\"10.2139/ssrn.295560\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"\\\\tThis paper presents and estimates a dynamic programming model model of retirement behavior that accounts explicitly for the effects of health cost volatility and and health insurance on retirement behavior. The model includes a savings decision so that we are able to analyze whether self-insurance is an important mechanism for understanding how greatly individuals value health insurance. We present preliminary estimates from the Health and Retirement Survey. We find that the possibility of self-insurance significantly lessens an individual's valuation of health insurance. Therefore, failure to account for self-insurance potentially leads to overestimates of the effect of health insurance and Medicare on retirement behavior.\",\"PeriodicalId\":164882,\"journal\":{\"name\":\"University of Michigan Retirement Research Center Research Paper Series\",\"volume\":\"20 1\",\"pages\":\"0\"},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2007-10-01\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"439\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"University of Michigan Retirement Research Center Research Paper Series\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.2139/ssrn.295560\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"\",\"JCRName\":\"\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"University of Michigan Retirement Research Center Research Paper Series","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.2139/ssrn.295560","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
The Effects of Health Insurance and Self-Insurance on Retirement Behavior
\tThis paper presents and estimates a dynamic programming model model of retirement behavior that accounts explicitly for the effects of health cost volatility and and health insurance on retirement behavior. The model includes a savings decision so that we are able to analyze whether self-insurance is an important mechanism for understanding how greatly individuals value health insurance. We present preliminary estimates from the Health and Retirement Survey. We find that the possibility of self-insurance significantly lessens an individual's valuation of health insurance. Therefore, failure to account for self-insurance potentially leads to overestimates of the effect of health insurance and Medicare on retirement behavior.
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