NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

How Does Retiree Health Insurance Influence Public Sector Employee Saving?

Robert Clark, Olivia S. Mitchell

NBER Working Paper No. 19511
Issued in October 2013
NBER Program(s):   AG   HE   LS   PE

Economic theory predicts that employer-provided retiree health insurance benefits crowd-out household wealth accumulation. Nevertheless, there is little research on the impacts of retiree health insurance on wealth accruals, so this paper utilizes a unique data file on three baseline cohorts from the Health and Retirement Study to explore how employer-provided retiree health insurance may influence net household wealth among public sector employees, where retiree healthcare benefits are still quite prevalent. We find that most full-time public sector employees who anticipate receiving employer-provided health insurance coverage in retirement save less than their private sector uncovered counterparts.

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Document Object Identifier (DOI): 10.3386/w19511

Forthcoming: How Does Retiree Health Insurance Influence Public Sector Employee Saving?, Robert L. Clark, Olivia S. Mitchell. in State and Local Health Plans for Active and Retired Public Employees, Clark and Newhouse. 2014

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