Cooper P F, Monheit A C
Division of Medical Expenditure Studies, Agency for Health Care Policy and Research (AHCPR), Rockville, MD 20852.
Inquiry. 1993 Winter;30(4):400-16.
Most private health insurance in the United States is an employment-related, nonportable fringe benefit. As a result, severing an employment relationship can lead to a loss of such coverage. The risk of losing coverage has been identified as a primary reason for not changing jobs and has shaped the debate over health care reform. This paper examines the relationship between employment-related health insurance and job mobility. We model the likelihood that a worker voluntarily changes employment, based upon insurance status and wages at an initial job, expected insurance status and wages at alternative employment, other fringe benefits, and worker and dependent health status. Analyses of data from the 1987 National Medical Expenditure Survey support the "job lock" hypothesis.
美国大多数私人医疗保险是与就业相关的、不可携带的附加福利。因此，终止雇佣关系可能导致此类保险覆盖范围的丧失。失去保险覆盖范围的风险已被确定为不换工作的主要原因，并影响了关于医疗保健改革的辩论。本文研究了与就业相关的医疗保险和工作流动性之间的关系。我们根据初始工作时的保险状况和工资、替代工作时预期的保险状况和工资、其他附加福利以及工人及其受抚养人的健康状况，对工人自愿更换工作的可能性进行建模。对1987年国家医疗支出调查数据的分析支持了“工作锁定”假说。
