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Autor:innen: 
Erscheinungsjahr: 
2022
Schriftenreihe/Nr.: 
Discussion Papers No. 22-09
Verlag: 
University of Bern, Department of Economics, Bern
Zusammenfassung: 
We document relevant racial differences in the degree consumption insurance against shocks: Blacks appear to be less insured. We probe these results by performing a double/debiased lasso estimation of the treatment effects of a health shock, and we find that such effects are both larger and more long-lasting for Blacks than for Whites. With the help of a toy model, we show that, having a lower life expectancy, Blacks save less and, as a consequence, are less insured than Whites against both income and health shocks.
Schlagwörter: 
Consumption
Insurance
Inequality
Savings
Life Expectancy
JEL: 
E21
D12
C3
Creative-Commons-Lizenz: 
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Dokumentart: 
Working Paper

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