Document Type

Working Paper

Date of This Version



Retirement, Unretirement, Retirement reversals, Health insurance


This paper uses the longitudinal aspect of the Health and Retirement Study to explore the characteristics associated with reversals in retirement (referred to here as "unretirement"). Through the use of survival time analysis, this paper shows that health insurance status and its source are signi cant predictors of unretirement decisions. The relationship is important as the potential impacts of the Affordable Care Act are considered. By comparing the role of health insurance provision to the impact of financial "shocks", the analysis finds that insurance is equally important as other financial explanations for retirement reversals. The analysis also shows that health insurance source plays a particularly important role for those who were previously open to the idea of working in retirement while they were still working.

Working Paper Number


Included in

Economics Commons



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