Health Affairs November 1, 2025
Abstract
Adults with employer-sponsored insurance may remain in employment to retain health coverage for their children—a phenomenon we term dependent-related job lock. Using 2016–23 National Survey of Children’s Health data, we estimated the prevalence of dependent-related job lock among families with children covered by employer-sponsored insurance and examined associations with caregivers’ health. Nationally, 8.9 percent of such families reported dependent-related job lock, with higher rates seen among families with children with special health care...
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