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eriu: Economic Research Initiative on the Uninsured Initiating and disemminating research to spark new policy discussion on health coverage issues.
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Ann Arbor Research Conferences

      2007-Coverage: For Richer,
      For Poorer, In Sickness and
      In Health

      2007-Coverage: For Richer,
      For Poorer, In Sickness and
      In Health

      2006-To Have and To Hold, In
      Sickness and In Health?

      2006-Tax, Regulate, Spend:
      Policy Impacts on Health

      2005-Coverage Impacts
      Across the Lifespan
          Conference Highlights
          Participant List
          Papers Presented

      2004-Vulnerable Populations

      2004-Consumer Preferences and
      Coverage Choice

      2003-Coverage Dynamics and
      the Uninsured

      2002-Expanding the Dialogue
      on the Uninsured

      2001-Agenda Setting

Washington D.C. Joint Conference   
       Health Insurance   
      Congressional Testimony
      ERIU Book Release


Home > Conferences & Events Home > Coverage Impacts Across the Lifespan> Conference Highlights

Ann Arbor Research Conferences

School, Work, Retirement: Coverage Impacts Across the Lifespan

July 7 - 8, 2005
Ann Arbor, Michigan

Papers presented at the 2005 summer conference address coverage issues facing different population groups representing different points in the lifespan: children, working adults, and those nearing retirement. In addition, two papers examined the effect of health status or chronic illness on coverage outcomes on subsets of working adults.

 Conference Highlights | Participant List | Papers Presented
Conference Paper
Bound, John
Stinebrickner, Todd
Waidmann, Timothy
Using a Structural Retirement Model to Simulate the Effect of Changes to the OASDI and Medicare Programs (PDF) Applying for and obtaining Social Security disability insurance (DI) is one way to leave the workforce; retirement is another. While the cash payments have been the focus of much research about the influence of the DI program on exits from the labor force, DI also provides a way to obtain Medicare coverage prior to reaching age 65. Using a dynamic programming model, Bound Stinebrickner, and Waidmann find what they describe as only small effect of Medicare on disability applications. Project Summary
Cullen, Julianne B.
DeCicca, Philip
Volden, Craig
Health Insurance Coverage and School Performance (PDF) Numerous studies have examined the impact of public program expansions for low income children, though most have looked at the impacts on coverage and no study has yet looked at the impact on educational as well as health care outcomes. This study uses a unique longitudinal data source that tracks low income children from kindergarten through third grade. Preliminary findings suggest that expansions Project Summary
Ettner, Susan
Masaquel, Anthony
How Does the Persistence of Depression Influence the Continuity, Type and Generosity of Health Insurance Coverage? (Publication Pending) It is difficult to study the effect of chronic illness on coverage because health status both affects and is affected by health insurance status. This study uses data from a randomized study population to examine the influence of persistent depression on coverage outcomes. The findings suggest that persistent depression (relative to depression that subsides over time) increases to a small but significant degree the probability of having public coverage and of having a less generous benefit package. The random assignment design allows the study to overcome common problems faced in other studies attempting to link health and coverage. Project Summary
Flinn, Christopher
Dey, Matthew S.
Employer-Provided Health Insurance and Household Search (PDF) In contrast to the authors' prior work that developed an equilibrium model of health insurance and job search abstracted from household decision making, this paper considers household decision making in a partial equilibrium setting. The paper makes three contributions. First, it offers a theoretical contribution by developing a model that allows for multiple agent search over more than one job characteristic. The model suggests that a second spouse having health insurance from his or her job provides an option value through the option for one spouse to take a better paying job without health insurance or in case one spouse loses his or her job. Second, it demonstrates that the difference in cross-sectional mean wages between those in jobs with and without health insurance does not estimate marginal willingness to pay. Third, it provides a way to estimate marginal willingness to pay for all agents in the population. Project Summary
Hirth, Richard
Chernew, Mike
Shelton, Emily
Baughman, Reagan
How Significant are Mismatches Between Workers' Preferences and Employers' Health Insurance Provision in Explaining Aggregate Patterns of Coverage? (PDF) In the standard economic model, workers trade off wages and fringe benefits. A majority of workers have jobs that come with the opportunity to obtain health insurance through their employment. Two groups of workers can be said to be mismatched: first, those who desire coverage and are willing to trade off more wages than the cost of coverage and yet do not have health insurance and second, those who have coverage but would prefer additional wages to health insurance, a majority of whom have health insurance through another source, such as a spouse. Hirth and colleague set out to estimate what share of workers are mismatched. They find 21.9 percent of workers are mismatched. About six percent of these are uninsured. Together with their dependents, these mismatched uninsured represent one in six of the uninsured. Project Summary
Kapur, Kanika
Escarce, Jose
Marquis, M. Susan
Simon, Kosali
Where Do the Sick Go? Health Insurance & Enrollment in Small and Large Firms (PDF) It is well known that smaller employers face higher and more variable costs for employment-based health insurance coverage. It is not clear, however, the extent to which these higher costs translate into distorted labor market outcomes for employers and employees. This study uses data from the 1996-2000 Medical Expenditure Panel Survey to estimate the magnitude of labor market distortions in hiring, employment, and separations. The study finds evidence that workers with high expected health costs are less likely to be new hires and to be employed in small firms that offer coverage to their workers. Project Summary
Lee, Ho Jin
Tian, Wei-Hua
State Children's Health Insurance Program Participation and Substitution (PDF) Several recent studies have examined the impact of the State Children’s Health Insurance Program (SCHIP) on coverage outcomes, but few have examined the differential effects of particular program design features. This study uses data from the Current Population Survey covering 1995-2001 to estimate the e4ffects of four policies: income eligibility expansion, presumptive eligibility, premiums, and waiting periods. It finds that the income eligibility expansions and presumptive eligibility policies increase program participation among eligibles children and decrease rates of uninsurance. In contrast, premiums and waiting periods decrease the takeup of public coverage and increase rates of uninsurance. Project Summary
Benitez-Silva, Hugo
Boz, Emine
Buchinsky, Moshe
Nichols, Joseph
Roy, Sharbani
Rust, John
Tristao, Ignez
Health Status, Insurance, and Expenditures: An Analysis of the Health and Retirement Survey (PDF) With this paper, a research group lead by John Rust begins to consider the role of pre-retirement health insurance coverage, health status, and health expenditures on the transition from work to retirement. Looking at the Health and Retirement Study (HRS) sample, they find half (unweighted) had some period without health insurance. Only 4 percent were uninsured in all waves prior to obtaining Medicare. They also present descriptive models for gaining and losing health insurance. For health expenditures, they present data on components of out of pocket expenditures and estimate parameters of a Pareto distribution to model total out of pocket health costs, conditioning on a range of health, health care, and utilization variables. Project Summary