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Bankruptcy as Implicit Health Insurance

Mahoney, Neale

The American economic review, 2015-02, Vol.105 (2), p.710-746 [Periódico revisado por pares]

United States: American Economic Association

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Título:
Bankruptcy as Implicit Health Insurance
Autor: Mahoney, Neale
Assuntos: Bankruptcy ; Bankruptcy Code ; Bankruptcy laws ; Cost efficiency ; Cost estimates ; Costs ; Credit insurance ; Decision making ; Demography ; Financial management ; Fines & penalties ; Health care ; Health care payments ; Health insurance ; Health technology assessment ; Households ; Information sharing ; Insurance coverage ; Out of pocket expenses ; Patient Protection & Affordable Care Act 2010-US ; Political economy ; Risk exposure ; Simulation ; Studies ; Uninsured people ; Variables
É parte de: The American economic review, 2015-02, Vol.105 (2), p.710-746
Notas: ObjectType-Article-1
SourceType-Scholarly Journals-1
ObjectType-Feature-2
content type line 23
Descrição: This paper examines the implicit health insurance that households receive from the ability to declare bankruptcy. Exploiting multiple sources of variation in asset exemption law, I show that uninsured households with a greater financial cost of bankruptcy make higher out-of-pocket medical payments, conditional on the amount of care received. In turn, I find that households with greater wealth at risk are more likely to hold health insurance. The implicit insurance from bankruptcy distorts the insurance coverage decision. Using a microsimulation model, I calculate that the optimal Pigovian penalties are three-quarters as large as the average penalties under the Affordable Care Act.
Editor: United States: American Economic Association
Idioma: Inglês

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Bankruptcy as Implicit Health Insurance

Mahoney, Neale

United States: American Economic Association

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