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TRENDS

The Near-Elderly, Early Retirees, And Managed Care

Michael A. Morrisey and Gail A. Jensen

The near-elderly present a challenge to the private health insurance market because of their heterogeneous insurance needs. Many continue to be employed with active worker coverage. However, because of declining health, some near-elderly workers (ages 55–64) have been forced from the labor market and employer-sponsored health insurance. Others have retired from one career and begun another and are faced with the prospect of purchasing individual coverage. Still others have opted for early retirement and are moving to retiree coverage. The aging baby-boom generation means that this segment of the market will grow rapidly over the next twenty years. This age . . . [Full Text of this Article]

Data Sources

 

Trends In Coverage

 
Active-worker and retiree coverage.Additional coverage.Choice of plans.Managed care enrollment.

Plan Options, Premium Contributions, And Choices

 
Plan options.Premium contributions.Characteristics of the near-elderly with active-worker/retiree coverage.Impact of health status.

Moving To Retiree Coverage

 

Policy Implications

 
Medicare.Disability coverage.Individual insurance.

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This article has been cited by other articles:

				X. Xu and G. A. Jensen Health Effects of Managed Care Among the Near-Elderly J Aging Health, August 1, 2006; 18(4): 507 - 533. [Abstract] [PDF]

				G. A. Jensen and M. A. Morrisey Are Healthier Older Adults Choosing Managed Care? Gerontologist, February 1, 2004; 44(1): 85 - 94. [Abstract] [Full Text] [PDF]