Dependent insurance coverage and parental job lock: Evidence from the Affordable Care Act

A-Tier
Journal: Journal of Public Economics
Year: 2025
Volume: 248
Issue: C

Authors (3)

Bae, Hannah (not in RePEc) Meckel, Katherine (University of California-San D...) Shi, Maggie (not in RePEc)

Score contribution per author:

1.341 = (α=2.01 / 3 authors) × 2.0x A-tier

α: calibrated so average coauthorship-adjusted count equals average raw count

Abstract

Coverage for dependents is a standard feature of employer-sponsored insurance. While prior work shows that employees trade off job mobility for their own coverage, less is known about the intra-family spillovers of dependent coverage on parental labor supply. We study this question using a large panel of employer-based insurance claims that links dependent enrollment to a proxy for parental job retention. We use a regression discontinuity design that exploits a sharp change in the duration of dependent eligibility by birth month under the Affordable Care Act. We find that additional dependent insurance eligibility increases both dependent take-up and parental job retention. This “job lock” effect is strongest among parents more likely to be on the margin of a job exit, for families that place higher value on dependent coverage, and employees of firms offering a broader range of insurance options.

Technical Details

RePEc Handle
repec:eee:pubeco:v:248:y:2025:i:c:s0047272725001379
Journal Field
Public
Author Count
3
Added to Database
2026-01-26