Health insurance and retirement of married couples
构建并估计了老年已婚夫妇就业行为的动态模型，发现健康保险的风险降低特性可解释已婚男性约一半的退休保险与就业关联，但对已婚女性仅能解释十分之一；模拟将医保资格年龄从65岁延至67岁对就业影响很小。
Abstract Most health insurance in the USA is provided by employers until eligibility for public health insurance (Medicare) begins at age 65. Retiring before 65 exposes workers who lack retiree health insurance coverage to the risk of catastrophic medical expenditure. We solve and estimate a dynamic model of the employment behavior of older married couples that includes risky medical expenditure and health insurance. Parameter estimates imply that the risk‐reducing feature of health insurance can account for about half of the observed association between retiree health insurance and employment for married men, but can account for only one tenth of the much larger observed association for married women. Policy simulations imply very small effects on employment of changing the age of eligibility for Medicare from 65 to 67. Copyright © 2006 John Wiley & Sons, Ltd.