Study 10

Retirement and Health Insurance Coverage

Published in: Health Benefits and the Workforce, (Washington, D.C.: U.S. Dept. of Labor, Pension and Welfare Benefits Administration, 1992), p. 117-138

by Jeannette Rogowski, Lynn A. Karoly

Employer based health insurance is a significant source of health insurance coverage for current retirees. At the time of retirement, the SIPP data show that there are significant changes in health insurance coverage for early retirees. Nearly one in ten of the early retirees have no health insurance coverage shortly after they retire. In this paper, the authors use data from the Survey of Income and Program Participation (SIPP) to examine two issues. They documented the prevalence of employer based health benefits and other sources of insurance coverage among a cross-section of retirees. Next they exploited the longitudinal nature of the SIPP database to analyze the transitions in health insurance coverage that occur at the time of retirement, focusing on early retirees.

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