Many employees still on the job would love to retire—if it weren’t for the little matter of health insurance.

And many employers would love to usher them out the door to make room for younger employees, particularly if they know those older workers’ hearts aren’t in the job, but aren’t ready to resort to providing health coverage for a crop of retirees.

However, there’s a solution to that, suggests a report from the Society for Human Resource Management.

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