| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w23668 |
| 来源ID | Working Paper 23668 |
| Subsidizing Health Insurance for Low-Income Adults: Evidence from Massachusetts | |
| Amy Finkelstein; Nathaniel Hendren; Mark Shepard | |
| 发表日期 | 2017-08-14 |
| 出版年 | 2017 |
| 语种 | 英语 |
| 摘要 | How much are low-income individuals willing to pay for health insurance, and what are the implications for insurance markets? Using administrative data from Massachusetts’ subsidized insurance exchange, we exploit discontinuities in the subsidy schedule to estimate willingness to pay and costs of insurance among low-income adults. As subsidies decline, insurance take-up falls rapidly, dropping about 25% for each $40 increase in monthly enrollee premiums. Marginal enrollees tend to be lower-cost, consistent with adverse selection into insurance. But across the entire distribution we can observe – approximately the bottom 70% of the willingness to pay distribution – enrollee willingness to pay is always less than half of own expected costs. As a result, we estimate that take-up will be highly incomplete even with generous subsidies: if enrollee premiums were 25% of insurers’ average costs, at most half of potential enrollees would buy insurance; even premiums subsidized to 10% of average costs would still leave at least 20% uninsured. We suggest an important role for uncompensated care for the uninsured in explaining these findings and explore normative implications. |
| 主题 | Public Economics ; National Fiscal Issues ; Health, Education, and Welfare ; Health |
| URL | https://www.nber.org/papers/w23668 |
| 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/581342 |
| 推荐引用方式 GB/T 7714 | Amy Finkelstein,Nathaniel Hendren,Mark Shepard. Subsidizing Health Insurance for Low-Income Adults: Evidence from Massachusetts. 2017. |
| 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 | ||
| w23668.pdf（1148KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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