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Health Insurance and Young Adult Financial Distress
Journal of Policy Analysis and Management ( IF 3.917 ) Pub Date : 2022-11-24 , DOI: 10.1002/pam.22458
Nathan Blascak, Vyacheslav Mikhed

We study how health insurance eligibility affects financial distress for young adults using the Affordable Care Act's (ACA) dependent coverage mandate─the part of the ACA that requires private health insurance plans to cover individuals up to their 26th birthday. We examine the effects of both gaining and losing eligibility by exploiting the mandate's implementation in 2010 and its automatic disenrollment mechanism at age 26. Our estimates show that increasing access to health insurance lowers young adults’ out-of-pocket medical expenditures and debt in third-party collections. However, reductions in financial distress are transitory, as they diminish after an individual loses access to parental insurance when they age out of the mandate at age 26.

中文翻译:

健康保险和年轻成人的财务困境

我们使用平价医疗法案 (ACA) 的受抚养人保险授权研究健康保险资格如何影响年轻人的财务困境——ACA 的这一部分要求私人健康保险计划涵盖 26 岁以下的个人。我们通过利用 2010 年强制执行及其在 26 岁时的自动退出机制来检查获得和失去资格的影响。我们的估计表明,增加获得健康保险的机会降低了年轻人的自付费用医疗支出和债务-派对收藏。然而,财务困境的减轻是暂时的,因为当一个人在 26 岁时失去父母保险后,财务困境就会减少。
更新日期:2022-11-24
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