Abstract

http://ssrn.com/abstract=1953318
 
 

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Lost Jobs and Health Insurance: An Analysis of the Impact of Employment Volatility on Firm-Provided Health Insurance


Fredrik Andersson


Office of the Comptroller of the Currency (OCC)

Iben Bolvig


University of Aarhus

Matthew Freedman


Drexel University

Julia Lane


American Institutes for Research; Institute for the Study of Labor (IZA)

November 2, 2011

Applied Economics, Vol. 43, No. 32, 2011

Abstract:     
It is an established fact that there are high levels of employment volatility in the United States. Despite the importance of employer-provided benefits in the US health insurance system, the impact of prior job instability on one’s future ability to obtain insurance coverage is not well understood. This paper finds a negative relationship between the volatility of a worker’s employment and her likelihood of receiving firm-provided health insurance. Previous employment volatility reduces each of the four factors necessary to receive such insurance: a worker’s subsequent chances of getting a job, her chances of getting a job in a firm that offers coverage, her chances of staying with the firm long enough to become eligible for coverage, and her ability to take up insurance if offered. The most important impact is on the last: her ability to take up insurance if offered. Lack of employment is not the only, and not even the largest, barrier to individual coverage under this system. This finding has important policy implications, particularly given the recent tendency of employers to shift the cost of insurance premiums onto their employees.

Number of Pages in PDF File: 55

Keywords: Employer-Provided Health Insurance, Employment Volatility, Job Instability

JEL Classification: J32, J63

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Date posted: November 3, 2011  

Suggested Citation

Andersson, Fredrik and Bolvig, Iben and Freedman, Matthew and Lane, Julia, Lost Jobs and Health Insurance: An Analysis of the Impact of Employment Volatility on Firm-Provided Health Insurance (November 2, 2011). Applied Economics, Vol. 43, No. 32, 2011. Available at SSRN: http://ssrn.com/abstract=1953318

Contact Information

Per Fredrik Daniel Andersson (Contact Author)
Office of the Comptroller of the Currency (OCC) ( email )
400 7th St. SW
Washington, DC 20219-0001
United States
202-649-5528 (Phone)
571-465-3246 (Fax)
Iben Bolvig
University of Aarhus ( email )
Nordre Ringgade 1
DK-8000 Aarhus C, 8000
Denmark
Matthew Freedman
Drexel University ( email )
3141 Chestnut St
Philadelphia, PA 19104
United States
Julia Lane
American Institutes for Research ( email )
1990 K Street, NW
Washington, DC 20006-1107
United States
Institute for the Study of Labor (IZA) ( email )
P.O. Box 7240
Bonn, D-53072
Germany
HOME PAGE: http://www.iza.org
Feedback to SSRN


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