| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w22620 |
| 来源ID | Working 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 |
| URL | https://www.nber.org/papers/w22620 |
| 来源智库 | National Bureau of Economic Research (United States) |
| 引用统计 | |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/580293 |
| 推荐引用方式 GB/T 7714 | Kayleigh Barnes,Arnab Mukherji,Patrick Mullen,et al. Financial Risk Protection from Social Health Insurance. 2016. |
| 条目包含的文件 | ||||||
| 文件名称/大小 | 资源类型 | 版本类型 | 开放类型 | 使用许可 | ||
| w22620.pdf（828KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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