Understanding how individuals make retirement plans is key to designing effective policy. In particular, access to affordable insurance during retirement can play an important role in the labor supply decisions of older adults. In this study, I examine the impact of the 2010 Affordable Care Act (ACA) on the retirement plans of older adults. The ACA includes several provisions that significantly increase access to affordable insurance not tied to employment. I find that the ACA decreased the subjective probability of working past age 62 by 5.6 percentage points, representing a 9.9 percent decline, among persons without employer-sponsored retiree coverage relative to persons with employer-sponsored benefits. On average, individuals expect to retire about 3.6 to 7.2 months earlier because of the ACA.

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健康保险和提前退休计划：《平价医疗法案》的证据

了解个人如何制定退休计划是设计有效政策的关键。特别是，退休期间获得负担得起的保险可以在老年人的劳动力供应决策中发挥重要作用。在这项研究中，我研究了2010年《平价医疗法案》（ACA）对老年人退休计划的影响。ACA包含一些条款，这些条款大大增加了获得与就业无关的负担得起的保险的机会。我发现，相对于有雇主赞助的福利的人，ACA将没有雇主赞助的退休人员的人的主观概率降低了62岁以上的工作的5.6个百分点，下降了9.9％。平均而言，由于ACA，个人预计将提前3.6至7.2个月退休。