Heterogeneity in crowd-out by risk aversion : Assessing the effect of the ACA medicaid expansion
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| 001 | MAP20240013387 | ||
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| 100 | 1 | $0MAPA20240020965$aOnal, Sezen O. | |
| 245 | 1 | 0 | $aHeterogeneity in crowd-out by risk aversion$b: Assessing the effect of the ACA medicaid expansion$cSezen O. Onal |
| 520 | $aIn this study, I estimate the heterogeneity in the crowd-out of private health insurance by risk aversion with the Medicaid expansion under the Affordable Care Act. Using data from the Health and Retirement Study, I find that the Medicaid expansion led to a decrease in private coverage among risk-loving individuals by 5 percentage points. However, the expansion did not lead to any meaningful change in private coverage for risk-averse individuals. This finding suggests that risk-averse individuals are willing to keep their private coverage, even though they become eligible for Medicaid. This potentially signals a sorting effect into private insurance. Under the assumption that highly risk-averse individuals typically display superior health conditions, this preferential behavior could signify a form of advantageous selection into private insurance. Furthermore, the expansion increased Medicaid coverage by 3.4 percentage points for risk-loving individuals, while not causing any discernible change in coverage among risk-averse individuals. Such differential responses could potentially influence the risk composition of Medicaid coverage, and subsequently impact the cumulative expenditure associated with it | ||
| 650 | 4 | $0MAPA20080573867$aSeguro de salud | |
| 650 | 4 | $0MAPA20080539771$aSalud | |
| 650 | 4 | $0MAPA20080586294$aMercado de seguros | |
| 650 | 4 | $0MAPA20210011108$aRiesgo | |
| 773 | 0 | $wMAP20077001748$g15/07/2024 Tomo 27 Número 2 - Summer 2024 , p. 137-160$x1098-1616$tRisk management & insurance review$dMalden, MA : The American Risk and Insurance Association by Blackwell Publishing, 1999- | |
| 856 | $uhttps://onlinelibrary.wiley.com/doi/10.1111/rmir.12267 |