Loprest P
Urban Institute, Washington, DC 20037, USA.
Gerontologist. 1998 Dec;38(6):684-94. doi: 10.1093/geront/38.6.684.
Data from the September 1994 Current Population Survey are used to examine the factors associated with early retirees' access to offers of retiree health insurance (RHI) and their likelihood of accepting these offers. I find large differences in offer rates, with those with pensions and from large firms much more likely to receive an offer, and women and non-Whites less likely. Even among those with an offer of RHI, more than a quarter do not accept the offer. Early retirees who have lower incomes and lack pensions are significantly less likely to accept an offer of RHI, suggesting that policies that increase offers are not sufficient to increase coverage for early retirees. Barriers to accepting offers need to be considered.
利用1994年9月当期人口调查的数据，来研究与提前退休人员获得退休人员健康保险（RHI）要约相关的因素，以及他们接受这些要约的可能性。我发现要约率存在很大差异，有养老金的人和来自大公司的人获得要约的可能性要大得多，而女性和非白人获得要约的可能性较小。即使在那些收到RHI要约的人中，也有超过四分之一的人不接受要约。收入较低且没有养老金的提前退休人员接受RHI要约的可能性明显较低，这表明增加要约的政策不足以提高提前退休人员的保险覆盖率。需要考虑接受要约的障碍。
