Employer-sponsored health insurance and the gender wage gap

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• 作者：Benjamin Cowan^a ; ¹ ; ^{ben.cowan@wsu.edu" class="auth_mail" title="E-mail the corresponding author} ; Benjamin Schwab^b ; ¹ ; ^{benschwab@ksu.edu" class="auth_mail" title="E-mail the corresponding author}
• 关键词：I1 ; J3 ; J7
• 刊名：Journal of Health Economics
• 出版年：2016
• 出版时间：January 2016
• 年：2016
• 卷：45
• 期：Complete
• 页码：103-114
• 全文大小：595 K

文摘

During prime working years, women have higher expected healthcare expenses than men. However, employees’ insurance rates are not gender-rated in the employer-sponsored health insurance (ESI) market. Thus, women may experience lower wages in equilibrium from employers who offer health insurance to their employees. We show that female employees suffer a larger wage gap relative to men when they hold ESI: our results suggest this accounts for roughly 10% of the overall gender wage gap. For a full-time worker, this pay gap due to ESI is on the order of the expected difference in healthcare expenses between women and men.