extent of increased spending associated with obtaining coverage. In addition to changes in the financial burden, our welfare …-of-pocket payments associated with coverage, under various assumptions about risk aversion. We find that the average financial burden …

to the distribution of health insurance coverage across educational groups. We find that there are substantial … differences in how these factors affect insurance coverage for different groups. Variations in unemployment are more important in … determining insurance coverage for more educated people. The price of medical care, by contrast, is a much more important …

relationship between the affordability of coverage and the large number of uninsured in the U.S. is important for understanding the … barriers to purchasing coverage for the uninsured and evaluating the role of policy in reducing this number. We propose several … uninsured who are unable to afford coverage. We find that, depending on the definition, health insurance was affordable to …

Employment-based health insurance is the main source of health coverage for the non-elderly. Few previous studies have … examined the factors that impact employer decision-making in selecting the coverage to offer to their employees and none have … examined generosity of mental health coverage. This paper uses cross-sectional data from a survey of medium to large firms …

in health insurance coverage in American history: the introduction of Medicare in 1965. I estimate that the impact of …

total compensation. Using data from the Current Population Survey, I analyze coverage by own-employer health insurance … coverage among full-time workers for women versus men, blacks versus whites and Hispanics versus whites. I find significant … gaps in coverage for each of these groups. About two-thirds of the gap for blacks or Hispanics is explained by differences …

We study the welfare effects of offering choice over coverage levels––“vertical choice”––in regulated health insurance … markets. Though the efficient level of coverage, which trades off the value of risk protection and the social cost from moral … level of coverage. Using administrative data from a large employer, we find that the welfare gains from vertical choice are …

insurance coverage and to allow voluntary purchases of supplementary insurance on the private market. Yet we know little about … the effects of such programs on total insurance coverage and on welfare. A primary concern is that the compulsory public …

assessment of the past and potential impacts of taxation on health insurance coverage and costs. I begin by reviewing the central … insurance coverage and costs, and I review the existing empirical evidence on the key behavioral parameters required to model … these impacts. I conclude with the policy implications of these findings for tax policies to expand insurance coverage …

increased dependent children's health insurance coverage through parents' employer-sponsored health benefits. Using data from … findings imply that a deadweight loss associated with the expansion of dependent health coverage is likely to be small as an …