Author: Martin SalmPublisher:
ISBN:
Category : Health insurance
Languages : en
Pages : 240
Book Description
Essays on Health and Household Finances
Author: Martin SalmPublisher:
ISBN:
Category : Health insurance
Languages : en
Pages : 240
Book Description
Essays on Household Finances, Consumption & Individual Mental Health
Author: Caitlin McKennieEssays on Household Finance, Health Care, and Mental Health
Author: Madeline Reed JonesPublisher:
ISBN:
Category :
Languages : en
Pages : 0
Book Description
Health care costs are a growing concern for households with limited resources. Cost-sharing in health plans requires people to pay for health care in the form of deductibles, co-payments, and out-of-pocket expenses and is becoming more widespread. This dissertation adds to the research on the role of liquidity in health care by investigating policies that provide households with increased income. I use restricted Medical Expenditure Panel Survey (MEPS) data, Census Household Pulse Survey data, and a quasi-experimental methodology to investigate the relationship between liquidity and health care decision-making.The findings show that an increase in liquidity in the form of tax refunds is not associated with an increase in health care seeking for lower-income adults. There is suggestive evidence of heterogeneity in the effects of liquidity by health plan enrollment as well as for the type of care, however. Mental health care, which often is more discretionary and has large out-of-pocket costs, appears to be impacted by increased income. Additional barriers to mental health care exist including a lack of access to providers, although, this research finds legislation that allows licensed psychologists to work across state lines may lead to reductions in delays to get care. This research provides insight into the effect of liquidity and state-level policies on household decision-making. These studies are important given the rising cost-sharing and increasing reports of cost-related barriers to health care.
Essays on Health Care Consumption and Household Finance
Author: Tal A. GrossPublisher:
ISBN:
Category :
Languages : en
Pages : 111
Book Description
(cont.) This paper studies the transition in insurance status as teenagers move from their family's coverage to uninsured status or other insurance plans. I find no evidence that teenagers stock up on medical care before coverage ends, but rather a general decrease in health care consumption in the last month of coverage.
Essays in Household Finance
Author: Fernando Lopez (Professor of finance)Publisher:
ISBN:
Category : Electronic dissertations
Languages : en
Pages : 121
Book Description
This dissertation consists of three essays that examine the determinants of individual financial decision making and the welfare implications of those decisions. In the first essay, I consider an important dimension of individual welfare, namely mental health, to study whether the use of different financial services helped to withstand the damage caused by a large earthquake that hit Chile in February 2010. Using a rich nationally representative panel data set and geographic differences in ground shaking caused by the earthquake as an exogenous source of damage, I find that earthquake insurance reduced the incidence of post-traumatic stress disorder (PTSD) by more than 50% among individuals who lived in properties that were damaged by the earthquake. However, I find no significant effects for the amount of savings and bank relationships. Overall, these results suggest that the welfare impact of financial services is driven by the ability to transfer resources across states of the world, but not through time. In the second essay, I study the extent to which low income students in the U.S. understand and take into consideration the financial aspects of their higher education. Using a rich data set from a large U.S. non-profit organization, I find that low income post-secondary students are poorly informed about three main financial aspects of their higher education: expected income, financing costs and opportunity cost of being enrolled. This result holds for students who are academically talented, have been exposed to financial education (including a semester-long personal finance class) and relevant financial experiences. Furthermore, preliminary results of a randomized controlled trial (N=117) suggest that an hour-long financial education workshop on the main financial aspects of college increases students' GPA by 0.2 points (p-value=0.15) and their ability to receive financial aid from the non-profit organization by 11.4 percentage points (p-value=0.25). Overall, these results suggest that (lack of) financial literacy can affect both educational attainment and financial outcomes of low income post-secondary students. In the third essay, I study if civic capital, defined as the set of values and beliefs within a community that promote cooperation for socially valuable purposes (Guiso, Sapienza and Zingales, 2011), affects the use of deposit accounts among Chilean households. Using an institutional setting of limited supply side barriers for access to deposit accounts and a rich household data set, I find that households from areas with higher levels of civic capital, measured as the rate of registration to vote, are more likely to have savings accounts and hold larger amounts in those accounts. This association is stronger for households that are less educated and less intensive users of communication and information devices such as phone, computer and the internet. These results are consistent with the idea that civic capital helps to overcome educational and informational barriers that limit the demand for deposit accounts.
Essays on Healthcare, Households, and Firms
Author: Samantha ZellerPublisher:
ISBN:
Category :
Languages : en
Pages : 0
Book Description
This dissertation explores the impacts of shocks to healthcare costs and access on households and firms.The first chapter studies the impact of recent changes in abortion access on household finances. I exploit variation in changes in access to abortion resulting from Planned Parenthood clinic openings and closings during the period 2010-2019 to study the relationship between access to abortion and financial health (delinquencies). I find that auto loan delinquencies are negatively related to access to abortion, a relationship which is unique when compared to other types of loans (i.e., credit cards, mortgages, and student loans). I show that this effect is driven by changes in access in low-income areas, shedding light on the mechanism as well as the significance of auto loans, which are disproportionately held by low-income individuals (e.g., compared to mortgages). I provide further evidence of the causality of the relationship between access to abortion and auto loan delinquencies by exploiting a 2013 legislative change in Texas. Finally, I use these estimates to calculate the impact of the overturning of Roe v. Wade in June 2022 on financial health.The second chapter explores the connection between rising healthcare costs and declining small business employment and startup rates. I use private equity (PE) acquisitions of hospitals during the period 2002-2017 as a shock to local healthcare prices in order to study the effect of increasing healthcare costs on the composition of firms in local economies using a difference-in-differences framework. I use confidential Census Bureau data to show first that PE acquisitions of hospitals indeed affect the health insurance premiums charged by insurers to local employers. Turning to the economic implications, I show that smaller firms face both increased barriers to entry and decreased firm resilience following a PE-induced increase in health insurance premiums; firms with 20 or fewer employees are less likely to enter the market, while firms with between 11 and 50 employees who do still enter face a higher probability of exit.This dissertation has important policy implications, showing the significance of recent trends in healthcare to both firms and individuals.
Essays on Household Finances
Author: Yvonne McCarthyPublisher:
ISBN:
Category : Debt
Languages : en
Pages : 155
Book Description
Essays in Experiences and Household Finance
Author: Maximiliano Andrés AppendinoPublisher:
ISBN:
Category :
Languages : en
Pages : 236
Book Description
Essays on Household Finance
Author: Damien L. MoorePublisher:
ISBN:
Category :
Languages : en
Pages : 199
Book Description
This thesis comprises three essays addressing theory and evidence on the household response to tax-favored saving incentive schemes, with a particular emphasis on household risk taking. The US tax code and related regulatory institutions offer a variety of incentives to encourage US households to save and participate in risky investment schemes such as defined contribution (DC) accounts and employer-sponsored stock compensation schemes. In exchange for tax incentives, employers and employees are subject to a variety of regulatory restrictions when they participate in the plans affecting the choices available to employees. These incentives and restrictions provide a natural setting to theorize about and study the economic behavior of households.
Author: M. Angrisani