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Employment-Based Health Insurance and Job Mobility: Is there Evidence of Job-Lock?
Open accessAbstract
This paper assesses the impact of employer-provided health insurance on job mobility by exploring the extent to which workers are “locked” into their jobs because preexisting conditions exclusions make it expensive for individuals with medical problems to relinquish their current health insurance. I estimate the degree of job-lock by comparing the difference in the turnover rates of those with high and low medical expenses for those with and without employer-provided health insurance. Using data from the 1987 National Medical Expenditure Survey, I estimate that job-lock reduces the voluntary turnover rate of those with employer-provided health insurance by 25 percent, from 16 percent to 12 percent per year.
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Citations
Cited by
Designing Difference in Difference Studies: Best Practices for Public Health Policy Research
Wing, C., Simon, K., & Bello-Gomez, R. A. (2018) · Annual Review of Public Health · doi:10.1146/annurev-publhealth-040617-013507 · Cited by 1,470
Natural and Quasi-Experiments in Economics
Meyer, B. D. (1995) · Journal of Business & Economic Statistics · doi:10.1080/07350015.1995.10524589 · Cited by 1,100
Antwi, Y. A., Moriya, A. S., & Simon, K. (2013) · American Economic Journal: Economic Policy · doi:10.1257/pol.5.4.1 · Cited by 223
Metadata
- Authors
- Madrian, B. C.
- Venue
- The Quarterly Journal of Economics
- Publisher
- Oxford University Press (OUP)
- Published
- 1994-02-01
- Volume
- 109
- Issue
- 1
- Pages
- 27-54
- ISSN
- 0033-5533 (ISSN-L)
- 1531-4650
- OpenAlex
- W2891907176
- Cited by
- 436
- References
- 0
- FWCI
- 20.00
- Type
- journal article
- Language
- en
- Open access
- green
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- CoChat. (2026). Citation check: Employment-Based Health Insurance and Job Mobility: Is there Evidence of Job-Lock? https://app.cochat.ai/papers/10.2307/2118427
- The paper
- Madrian, B. C. (1994). Employment-Based Health Insurance and Job Mobility: Is there Evidence of Job-Lock? The Quarterly Journal of Economics. https://doi.org/10.2307/2118427
Data sources
Bibliographic data: Semantic Scholar, OpenAlex, Crossref.
Contains information from the Semantic Scholar Academic Graph Datasets, made available under the ODC Attribution License (ODC-BY 1.0).
Semantic Scholar’s data is described in: Kinney, R., et al. (2023). The Semantic Scholar Open Data Platform. arXiv:2301.10140.
