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Three essays in health insurance cov...

Rutledge, Matthew S.

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Three essays in health insurance coverage.

Record Type:	Language materials, printed : Monograph/item
Title/Author:	Three essays in health insurance coverage./
Author:	Rutledge, Matthew S.
Description:	167 p.
Notes:	Source: Dissertation Abstracts International, Volume: 71-11, Section: A, page: .
Contained By:	Dissertation Abstracts International71-11A.
Subject:	Economics, General. -
Online resource:	http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=3429265
ISBN:	9781124278520

Three essays in health insurance coverage.
Rutledge, Matthew S.

Three essays in health insurance coverage. - 167 p.

Source: Dissertation Abstracts International, Volume: 71-11, Section: A, page: .

Thesis (Ph.D.)--University of Michigan, 2010.

Obtaining health insurance through an employer pools risk, but may lead to moral hazard, where employees with more coverage seek care valued below cost, and adverse selection, where the unhealthy choose more generous plans, driving up premiums. In the first essay, I model the decision to choose the more generous employer plan, which suggests testable empirical predictions. Using MEPS data from 1996-2001, I find that enrollees in non-managed care plans, but not HMO plans, spend more on medical care the more generous their plan, indicating moral hazard. Within HMO or non-HMO options, the more generous plan does not enroll the unhealthier employees, but adverse selection may lead to healthier employees choosing an HMO over a non-HMO.

ISBN: 9781124278520Subjects--Topical Terms:

1017424
Economics, General.

Three essays in health insurance coverage.
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020 $a 9781124278520
035 $a (UMI)AAI3429265
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100 1 $a Rutledge, Matthew S. $3 1673810
245 1 0 $a Three essays in health insurance coverage.
300 $a 167 p.
500 $a Source: Dissertation Abstracts International, Volume: 71-11, Section: A, page: .
500 $a Adviser: Daniel S. Silverman.
502 $a Thesis (Ph.D.)--University of Michigan, 2010.
520 $a Obtaining health insurance through an employer pools risk, but may lead to moral hazard, where employees with more coverage seek care valued below cost, and adverse selection, where the unhealthy choose more generous plans, driving up premiums. In the first essay, I model the decision to choose the more generous employer plan, which suggests testable empirical predictions. Using MEPS data from 1996-2001, I find that enrollees in non-managed care plans, but not HMO plans, spend more on medical care the more generous their plan, indicating moral hazard. Within HMO or non-HMO options, the more generous plan does not enroll the unhealthier employees, but adverse selection may lead to healthier employees choosing an HMO over a non-HMO.
520 $a The second essay, written with Catherine McLaughlin, examines the growing disparity between Hispanics and non-Hispanic Whites in health insurance coverage. While the percentage of non-Hispanic Whites without health insurance has fallen slightly since 1983, the uninsured rate has risen dramatically among Hispanics. Using 25 years of SIPP data, we find that differences in citizenship and education explain some of the divergence, but more than half of the increase in the gap, or more than one million extra uninsured Hispanics, remains unexplained by differences in any observable characteristic. While observable differences account for most of the divergence in public and employer coverage rates, much of the decline in family coverage remains unexplained.
520 $a In the final essay, I examine the decision to select a health insurance plan from the options offered by one's employer, considering not only the level of the plan's financial generosity, but also the variability of out-of-pocket spending under the plan. I also consider other elements that may differ between plans, including access to providers and supplemental coverage. I find that employees demand a plan with lower expected out-of-pocket costs, but that the variance of a plan's out-of-pocket spending has no effect on plan choice. Employees are only weakly responsive to their share of the premium, but do tend to choose the most popular plan at a firm, suggesting the importance of unobserved plan quality differences and/or the employees opting for the default plan.
590 $a School code: 0127.
650 4 $a Economics, General. $3 1017424
650 4 $a Sociology, Public and Social Welfare. $3 1017909
650 4 $a Sociology, Ethnic and Racial Studies. $3 1017474
650 4 $a Hispanic American Studies. $3 1017793
650 4 $a Health Sciences, Health Care Management. $3 1017922
690 $a 0501
690 $a 0630
690 $a 0631
690 $a 0737
690 $a 0769
710 2 $a University of Michigan. $3 777416
773 0 $t Dissertation Abstracts International $g 71-11A.
790 1 0 $a Silverman, Daniel S., $e advisor
790 $a 0127
791 $a Ph.D.
792 $a 2010
856 4 0 $u http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=3429265