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http://hdl.handle.net/10419/67311
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| Title: | | The problem of the uninsured  |
| Authors: | | Ehrlich, Isaac Yin, Yong |
| Issue Date: | | 2012 |
| Series/Report no.: | | Discussion Paper Series, Forschungsinstitut zur Zukunft der Arbeit 6920 |
| Abstract: | | The problem of the uninsured - those eschewing the purchase of health insurance policies - cannot be fully understood without considering informal alternatives to market insurance called self-insurance and self-protection, including the publicly and charitably-financed safety-net health care system. This paper tackles the problem of the uninsured by formulating a full-insurance paradigm that includes all 4 measures of insurance as interacting components, and analyzing their interdependencies. We apply both a baseline and extended versions of the model through calibrated simulations to estimate the degree to which these non-market alternatives can account for the fraction of the non-elderly adults who are uninsured, and estimate their behavioral and policy ramifications. Our results indicate that policy analyses that do not consider the role of self-efforts to avoid health losses can grossly distort the success of the ACA mandate to insure the uninsured and to improve the health and welfare outcomes of the previously uninsured. |
| Subjects: | | health insurance health care uninsured self-insurance self-protection |
| JEL: | | G22 H42 I13 I28 |
| Document Type: | | Working Paper |
| Appears in Collections: | | IZA Discussion Papers, Forschungsinstitut zur Zukunft der Arbeit (IZA)
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