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Author: Madeline Reed Jones Publisher: 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.
Author: Madeline Reed Jones Publisher: 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.
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.
Author: Bradley T. Klontz Publisher: Springer ISBN: 3319082698 Category : Psychology Languages : en Pages : 381
Book Description
Money-related stress dates as far back as concepts of money itself. Formerly it may have waxed and waned in tune with the economy, but today more individuals are experiencing financial mental anguish and self-destructive behavior regardless of bull or bear markets, recessions or boom periods. From a fringe area of psychology, financial therapy has emerged to meet increasingly salient concerns. Financial Therapy is the first full-length guide to the field, bridging theory, practical methods, and a growing cross-disciplinary evidence base to create a framework for improving this crucial aspect of clients' lives. Its contributors identify money-based disorders such as compulsive buying, financial hoarding, and workaholism, and analyze typical early experiences and the resulting mental constructs ("money scripts") that drive toxic relationships with money. Clearly relating financial stability to larger therapeutic goals, therapists from varied perspectives offer practical tools for assessment and intervention, advise on cultural and ethical considerations, and provide instructive case studies. A diverse palette of research-based and practice-based models meets monetary mental health issues with well-known treatment approaches, among them: Cognitive-behavioral and solution-focused therapies. Collaborative relationship models. Experiential approaches. Psychodynamic financial therapy. Feminist and humanistic approaches. Stages of change and motivational interviewing in financial therapy. A text that serves to introduce and define the field as well as plan for its future, Financial Therapy is an important investment for professionals in psychotherapy and counseling, family therapy, financial planning, and social policy.
Author: Damien L. Moore Publisher: 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: Madeline Reed Jones
Author: Madeline Reed Jones
Author: Fernando Lopez (Professor of finance)
Author: Caitlin McKennie
Author: Martin Salm
Author: Bradley T. Klontz
Author: William Lee Skimmyhorn
Author: M. Angrisani
Author: Damien L. Moore
Author: Ricardo Cunha
Author: Frederick Kibon Changwony