Shea D G, Stewart R P
Department of Health Policy and Administration, Pennsylvania State University, University Park 16802.
Inquiry. 1994 Summer;31(2):206-14.
This paper examines retired persons who received employer-provided health benefits in 1987. The sociodemographic, health, and economic characteristics of these elderly persons are compared to the total elderly population. Two methods of estimating retiree insurance purchase are considered and indicate 13% to 20% of retirees would be unable to afford benefits without an employer subsidy. The percentage of persons unable to purchase the employer-provided benefits drops significantly if some subsidy is maintained. The results indicate substantial differences in ability to purchase insurance by sociodemographic characteristics. The future of retiree health benefits in a reformed health care system is discussed.
本文研究了1987年领取雇主提供的健康福利的退休人员。将这些老年人的社会人口统计学、健康和经济特征与全体老年人口进行了比较。考虑了两种估计退休人员保险购买情况的方法，结果表明，如果没有雇主补贴，13%至20%的退休人员将无力承担福利。如果维持一定的补贴，无法购买雇主提供福利的人员比例将大幅下降。结果表明，不同社会人口统计学特征的人群在购买保险的能力上存在显著差异。文中还讨论了在改革后的医疗体系中退休人员健康福利的未来。
