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Key Findings Details

Health Reform and Health Insurance Coverage of Early Retirees
Helen Levy, Thomas C. Buchmueller and Sayeh Nikpay
WP 2016-345

  • Between 2013 and 2014, the fraction of early retirees without health insurance declined from 14.7 percent to 11.2 percent, reversing a trend toward increasing uninsurance in recent years.
  • Gains in coverage among early retirees were driven by increases in both Medicaid and private, nongroup coverage.
  • Gains in coverage were larger in states that implemented the Affordable Care Act’s Medicaid expansion in January 2014 than in states that did not.
  • The gains in coverage disproportionately benefited low-income early retirees and therefore reduced the gradient in coverage with respect to income.
  • There is no evidence of an acceleration of the decline in employer-sponsored coverage for early retirees, either overall or in states that expanded Medicaid.