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来源类型Working Paper
规范类型报告
DOI10.3386/w22620
来源IDWorking Paper 22620
Financial Risk Protection from Social Health Insurance
Kayleigh Barnes; Arnab Mukherji; Patrick Mullen; Neeraj Sood
发表日期2016-09-12
出版年2016
语种英语
摘要This paper estimates the impact of social health insurance on financial risk reduction by utilizing data from a natural experiment created by the phased roll out of a social health insurance program for the poor in India. We estimate the impact of insurance on the distribution of out-of-pocket costs, frequency and amount of money borrowed for health reasons, and the likelihood of incurring catastrophic health expenditures. We use a stylized expected utility model to compute the welfare effects associated with changes due to insurance in the distribution of out-of-pocket costs. We adjust the standard model to account for the unique conditions of a developing country by incorporating consumption floors, informal borrowing, and selling of assets. These adjustments allow us to estimate the value of financial risk reduction from both consumption smoothing and asset protection channels. Our results show that social insurance reduces out-of-pocket costs with larger effects in the higher quantiles of the out-of-pocket cost distribution. In addition, we find a reduction in the frequency and amount of money borrowed for health reasons. Finally, we find that the value of financial risk reduction outweighs the total per household cost of the social insurance program by two to five times.
主题Public Economics ; Public Goods ; National Fiscal Issues ; Health, Education, and Welfare ; Health ; Poverty and Wellbeing
URLhttps://www.nber.org/papers/w22620
来源智库National Bureau of Economic Research (United States)
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资源类型智库出版物
条目标识符http://119.78.100.153/handle/2XGU8XDN/580293
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GB/T 7714
Kayleigh Barnes,Arnab Mukherji,Patrick Mullen,et al. Financial Risk Protection from Social Health Insurance. 2016.
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