| 来源类型 | Working Paper
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| 规范类型 | 报告
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| DOI | 10.3386/w26713
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| 来源ID | Working Paper 26713
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| Interaction of the Labor Market and the Health Insurance System: Employer-Sponsored, Individual, and Public Insurance |
| Naoki Aizawa; Chao Fu
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| 发表日期 | 2020-02-03
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| 出版年 | 2020
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| 语种 | 英语
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| 摘要 | The U.S. health insurance system for working-age households is characterized not only by its heavy dependence on the labor market but also by the segregation of risk pools across its three components: employer-sponsored health insurance (ESHI), individual health insurance exchange (HIX), and Medicaid. To assess the potential efficiency loss associated with this risk pool segregation, we develop and estimate an equilibrium model of labor and health insurance markets, with rich heterogeneity across local markets, households, and firms. We estimate the model exploiting variations across states and policy environments before and after the Affordable Care Act. We use the estimated model to implement counterfactual policies that cross-subsidize between ESHI and HIX, which include pure risk pooling between the two markets as a special case. We find that such policies would benefit most households, improve average household welfare, and decrease government expenditure. Furthermore, the welfare gains are larger if the cross subsidization is interacted with Medicaid expansion. |
| 主题 | Health, Education, and Welfare
; Health
; Labor Economics
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| URL | https://www.nber.org/papers/w26713
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| 来源智库 | National Bureau of Economic Research (United States)
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| 引用统计 |
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| 资源类型 | 智库出版物
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| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/584387
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推荐引用方式
GB/T 7714 |
Naoki Aizawa,Chao Fu. Interaction of the Labor Market and the Health Insurance System: Employer-Sponsored, Individual, and Public Insurance. 2020.
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文件名：
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w26713.pdf
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格式：
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Adobe PDF
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