Firm-specific human capital Why don't these employer pools have adverse selection problems? If healthy workers could find desirable new jobs elsewhere where they do not subsidize unhealthy colleagues,then they have every incentive to leave their current jobs. So why do healthy employees stay in their jobs,even when they are subsidizing their unhealthy co-workers? Bhattacharya,Hyde and Tu-HealthEconomics Bhattacharya, Hyde and Tu – Health Economics Firm-specific human capital  Why don’t these employer pools have adverse selection problems?  If healthy workers could find desirable new jobs elsewhere where they do not subsidize unhealthy colleagues, then they have every incentive to leave their current jobs.  So why do healthy employees stay in their jobs, even when they are subsidizing their unhealthy co-workers?