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Job Lock and Employer-Provided Health Insurance: Evidence from the Literature

"The report reviews the research on three types of job lock: [1] Workers remaining in jobs in which they are not satisfied because of the fear of not being able to get health insurance at a new job (or not being able to buy or afford it in the individual market); [2] Workers being reluctant to start a business because they do not want to lose employer-provided health insurance; and [3] Workers staying employed (or employed full time) in order to obtain employer-sponsored insurance, when they would otherwise prefer to retire or work part time. All three types of job lock are likely to be reduced by the Affordable Care Act[.]"

Senate Committee Hearing on The Role of Social Security, Defined Benefits, and Private Retirement Accounts in the Face of the Retirement Crisis

Page includes streaming video, with links to written testimony by Robert G. Romasco, President, AARP; Andrew G. Biggs, Resident Scholar, American Enterprise Institute; Dean Baker, Co-Director, Center for Economic and Policy Research; and John F. Sweeney, Executive Vice President, Fidelity Investments.