I study how family spillovers shape healthcare consumption through two main sources: a learning channel whereby family members share information about their health insurance and the effectiveness of healthcare, and a behavioral channel whereby risk perception and habits are shared and transmitted. I exploit two types of sudden health shocks to identify a causal effect operating through each channel: a spouse’s non-fatal heart attack or stroke and a severe injury to a child. I incorporate these shocks into an event-study framework to quantify the effect of spillovers on healthcare consumption of a non-injured adult family member. I find a significant behavioral spillover effect of an increase of more than 200% in medical expenditure of preventive care over a four-year horizon. Moreover, I find a strong and persistent learning spillover that amounts to an average increase of more than 150% in medical expenditure relative to prior to the health shock, and I demonstrate that this effect promotes health investment. While the first result is in line with previous findings in the literature, the second is novel.

我通过两个主要来源研究家庭溢出效应如何影响医疗保健消费：家庭成员通过学习渠道分享有关其健康保险和医疗保健有效性的信息，以及通过行为渠道分享和传播风险感知和习惯。我利用两种突然的健康冲击来确定通过每个渠道起作用的因果效应：配偶的非致命心脏病发作或中风以及对孩子的严重伤害。我将这些冲击纳入了一个事件研究框架，以量化溢出效应对未受伤的成年家庭成员的医疗保健消费的影响。我发现在四年内预防保健的医疗支出增加 200% 以上会产生显着的行为溢出效应。而且，我发现一种强大而持久的学习溢出效应，与健康冲击之前相比，医疗支出平均增加了 150% 以上，我证明这种效应促进了健康投资。虽然第一个结果与文献中先前的发现一致，但第二个结果是新颖的。