GENDER DIFFERENCES IN THE VALUATION OF EMPLOYER‐PROVIDED HEALTH INSURANCE

Nasser Daneshvary and Terrence M. Clauretie

Economic Inquiry, 2007, vol. 45, issue 4, 800-816

Abstract: We present evidence that accurate estimates of the labor‐earning/employer‐provided health insurance trade‐off must account for two different effects: the heterogeneity of jobs and the endogeneity of health insurance. The size of the trade‐off depends on employees’ contribution to premiums, health‐care needs, and valuation of insurance. We use Medical Expenditure Panel Survey data and instrumental variables/two‐stage least squares. On average, workers accept about 16.5% to 20% lower earnings in return for insurance, and married women value insurance by about 3.5 percentage points more than married men, explaining about 3% of the gender‐earning differentials. Health insurance does not contribute to the unexplained portion of the gender‐pay gap. (JEL J3, J7, I1)

Date: 2007
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