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首页> 外文期刊>Journal of Economic Behavior & Organization >Employment-based health insurance and aggregate labor supply
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Employment-based health insurance and aggregate labor supply

机译:以就业为基础的健康保险和劳动力总供给

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摘要

We study the impact of the U.S. employment-based health insurance system on the employment rate, the shares of full-time/part-time workers, and aggregate hours worked in a general equilibrium life cycle model with incomplete markets and idiosyncratic risks in both income and medical expenses. In contrast to most Europeans, who get universal health insurance from the government, most working-age Americans get health insurance through their employers. We find that the employment-based health insurance system provides Americans with an extra incentive to work and work full-time. In a calibrated version of the model, we assess the extent to which the different health insurance systems account for the differences in employment rate and full-time/part-time shares of workers between the U.S. and European countries. Our quantitative results suggest that the different health insurance systems can account for a significant fraction of the differences in employment rate and full-time/part-time shares of workers between the two regions. In addition, we find that the employment-based health insurance system is one of the reasons why many Americans work more than Europeans.
机译:我们研究了基于一般均衡生命周期模型的美国基于就业的健康保险制度对就业率,全职/兼职人员的份额以及总工作时间的影响,该模型具有不完整的市场和收入中的特质风险和医疗费用。与大多数从政府获得全民健康保险的欧洲人相反,大多数工作年龄的美国人通过其雇主获得健康保险。我们发现,以就业为基础的健康保险体系为美国人提供了额外的激励,使其可以从事全职工作。在模型的校准版本中,我们评估了不同健康保险体系在多大程度上解释了美国和欧洲国家之间的就业率以及全职/兼职工人比例的差异。我们的定量结果表明,不同地区的医疗保险制度可以解决两个地区就业率和全职/兼职员工比例的很大一部分。此外,我们发现以就业为基础的健康保险制度是许多美国人比欧洲人工作更多的原因之一。

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