Health Insurance Research Paper

Health Insurance Research Paper-62
A non-technical summary of this paper is available in the July 2010 NBER Digest.

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Applications must be accompanied by a curriculum vitae, a research proposal and letters of recommendation from two professors of economics or risk management.

15823 Issued in March 2010 NBER Program(s): Children, Health Care, Health Economics Substantial uncertainty exists regarding the causal effect of health insurance on the utilization of care.

People who meet certain requirements can qualify for government health insurance, such as Medicare and Medicaid.

The Affordable Care Act expands health insurance coverage for many people in the U. Medline Plus links to health information from the National Institutes of Health and other federal government agencies.

You buy a plan or policy, and the company agrees to pay part of your expenses when you need medical care.

Many people in the United States get a health insurance policy through their employers.Using the National Health Interview Survey (NHIS) and a census of emergency department records and hospital discharge records from seven states, we find that aging out results in an abrupt 5 to 8 percentage point reduction in the probability of having health insurance.We find that not having insurance leads to a 40 percent reduction in ED visits and a 61 percent reduction in inpatient hospital admissions.Health insurance helps protect you from high medical care costs.It is a contract between you and your insurance company.If you pay for health insurance benefits, it limits the amount of debt that you may have for medical expenses.There are many different types of health insurance plans that may help pay for medical expenses....Medline Plus also links to health information from non-government Web sites.See our disclaimer about external links and our quality guidelines.The drop in ED visits and inpatient admissions is due entirely to reductions in the care provided by privately owned hospitals, with particularly large reductions at for profit hospitals.The results imply that expanding health insurance coverage would result in a substantial increase in care provided to currently uninsured individuals.

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