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Three essays on cost, value, and con...

Cook, Keziah Ruth.

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Three essays on cost, value, and consequences of health insurance.

紀錄類型:	書目-語言資料,印刷品 : Monograph/item
正題名/作者:	Three essays on cost, value, and consequences of health insurance./
作者:	Cook, Keziah Ruth.
面頁冊數:	101 p.
附註:	Source: Dissertation Abstracts International, Volume: 71-10, Section: A, page: 3726.
Contained By:	Dissertation Abstracts International71-10A.
標題:	Economics, General. -
電子資源:	http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=3419029
ISBN:	9781124183978

Three essays on cost, value, and consequences of health insurance.
Cook, Keziah Ruth.

Three essays on cost, value, and consequences of health insurance. - 101 p.

Source: Dissertation Abstracts International, Volume: 71-10, Section: A, page: 3726.

Thesis (Ph.D.)--Northwestern University, 2010.

In these three essays, I explore interactions between health insurance and other financial outcomes. Chapter 1 develops as model of cash wages and worker value of employer-sponsored health insurance (ESI), expanding standard economic models of compensating differentials by predicting that offsets in cash wages will differ among individuals. I examine new Medicare-eligibility of a worker's spouse---which lowers the value of ESI by improving the worker's non-employment insurance option---as a sudden change in worker value. Using a regression discontinuity approach in a sample of near elderly, full-time workers, I find that spousal Medicare eligibility leads to a raise of at least 6% if the spouse's only source of private insurance is through the worker's employer.

ISBN: 9781124183978Subjects--Topical Terms:

1017424
Economics, General.

Three essays on cost, value, and consequences of health insurance.
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500 $a Source: Dissertation Abstracts International, Volume: 71-10, Section: A, page: 3726.
500 $a Adviser: David Dranove.
502 $a Thesis (Ph.D.)--Northwestern University, 2010.
520 $a In these three essays, I explore interactions between health insurance and other financial outcomes. Chapter 1 develops as model of cash wages and worker value of employer-sponsored health insurance (ESI), expanding standard economic models of compensating differentials by predicting that offsets in cash wages will differ among individuals. I examine new Medicare-eligibility of a worker's spouse---which lowers the value of ESI by improving the worker's non-employment insurance option---as a sudden change in worker value. Using a regression discontinuity approach in a sample of near elderly, full-time workers, I find that spousal Medicare eligibility leads to a raise of at least 6% if the spouse's only source of private insurance is through the worker's employer.
520 $a Chapter 2 examines the financial consequences of illness for uninsured Americans using the Health and Retirement Study. We use triple difference median regressions on a sample of newly-ill/uninsured near elderly households matched to newly-ill/insured households to measure changes in non-housing assets. We also include a matched control group of households whose members are not ill. Controlling for the effects of insurance status and illness, we find that the median household with a newly-ill, uninsured individual suffers a statistically significant decline in household assets of between 30 and 50% relative to households with matched insured individuals. Newly-ill, insured individuals do not experience a decline in wealth.
520 $a Chapter 3 shows predicted future availability of ESI affects the value of non-group health insurance and is a significant factor in the initial non-group purchase decision. I find individuals with a low probability of future ESI are more likely to purchase non-group insurance than similar individuals with a high probability of future ESI. Additionally, I interact state non-group insurance regulations with predicted future ESI and find that community rating in the non-group market increases the likelihood that workers with a low predicted probability of future ESI will purchase non-group insurance compared to workers with a higher predicted probability of future ESI.
590 $a School code: 0163.
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790 1 0 $a Weisbrod, Burton $e committee member
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792 $a 2010
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