"Workers in poor initial health and workers who experience worsening health prior to their planned retirement date are significantly more likely to retire early than others. Workers with retiree health insurance are slightly more likely to respond to health shocks by retiring early ... more research is needed to establish whether the Affordable Care Act (ACA) will induce workers with deteriorating health to retire earlier.... Job-to-job mobility makes workers more likely to reach their retirement plans ... Health is the most important driver of early retirement... To the extent health improves in the future, workers may be better able to realize their retirement plans, leading to later retirement dates. The ACA is unlikely to significantly increase early retirement."