Health Insurance Availability at the Workplace: How Important are Worker Preferences?
利用1987年全美医疗支出调查数据，检验工人对健康保险的偏好是否影响其选择无保险的工作，发现单身工人的行为与这种自我选择一致。
Analysts have frequently interpreted the uneven distribution of health insurance across firms of varying size as evidence of insurance market failure in the small group market. We explore an additional explanation by considering the relationship between employee preferences for health insurance and its availability at the workplace. We apply a simple model of job choice to data from the 1987 National Medical Expenditure Survey to examine whether workers with weak preferences for health insurance sort themselves into jobs without coverage. Our results for a sample of single workers are consistent with such sorting behavior.