?> ACA – MRDRC

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Image of a woman balancing between retirement and work.

Health care reform hasn’t changed older workers’ labor supply—yet

Researchers have been curious about how the availability of nonemployer-tied medical insurance offered through health care reform would affect retirement. If new options, such as subsidized nongroup policies and expanded Medicaid coverage, led to shorter work lives, it could undermine…

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Figure four: Fraction of Early Retirees uninsured by income level medicaid expansion versus nonexpansion states from American Community Survey data

Health reform has reduced the number early retirees without health insurance

By age 64, more than half of all workers are retired despite the fact that Medicare doesn’t kick in for most of them until age 65. The decline of employer-sponsored health insurance for retirees means that many people who make…

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