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Racial Disparities In Life Insurance Coverage, Timothy F. Harris, Aaron Yelowitz
Racial Disparities In Life Insurance Coverage, Timothy F. Harris, Aaron Yelowitz
Aaron Yelowitz
We evaluate the extent to which there are racial disparities in life insurance coverage using multiple years of the Survey of Income and Program Participation between 2001 and 2010. We find that African-Americans hold significantly more life insurance after controlling for other factors, especially employer-sponsored and whole life insurance. We demonstrate that our findings diverge from prior work because we examine all households instead of focusing exclusively on married and cohabitating households. The findings on life insurance coverage and composition imply that earnings shocks due to mortality are not a contributing factor to racial disparities in wealth.
Health Insurance, Fertility, And The Wantedness Of Pregnancies: Evidence From Massachusetts, Maria Apostolova-Mihaylova, Aaron Yelowitz
Health Insurance, Fertility, And The Wantedness Of Pregnancies: Evidence From Massachusetts, Maria Apostolova-Mihaylova, Aaron Yelowitz
Aaron Yelowitz
Health insurance reform in Massachusetts lowered the financial cost of both pregnancy (by increased coverage of pregnancy-related medical events) and pregnancy prevention (by increasing access to reliable contraception and family planning). We examine fertility responses for women of childbearing age in Massachusetts and, on net, find no effect from increasing health insurance coverage. This finding, however, masks substantial heterogeneity. For married women aged 20 to 34 – who have high latent fertility and for whom pregnancies are typically wanted – fertility increased by approximately 1 percent. For unmarried women in the same age range – for whom pregnancies are typically …
The Short-Run Impacts Of Connecticut’S Paid Sick Leave Legislation, Thomas Ahn, Aaron Yelowitz
The Short-Run Impacts Of Connecticut’S Paid Sick Leave Legislation, Thomas Ahn, Aaron Yelowitz
Aaron Yelowitz
In 2012, Connecticut became the first state to enact paid sick leave legislation. Using a difference-in-differences framework, we find the law had modest but negative effects on the labor market, particularly on the likelihood of working in the past week.
A Tale Of Two Cities? The Heterogeneous Impact Of Medicaid Managed Care, James Marton, Aaron Yelowitz, Jeffrey Talbert
A Tale Of Two Cities? The Heterogeneous Impact Of Medicaid Managed Care, James Marton, Aaron Yelowitz, Jeffrey Talbert
Aaron Yelowitz
Evaluating Accountable Care Organizations is difficult because there is a great deal of heterogeneity in terms of their reimbursement incentives and other programmatic features. We examine how variation in reimbursement incentives and administration among two Medicaid managed care plans impacts utilization and spending. We use a quasi-experimental approach exploiting the timing and county-specific implementation of Medicaid managed care mandates in two contiguous regions of Kentucky. We find large differences in the relative success of each plan in reducing utilization and spending that are likely driven by important differences in plan design. The plan that capitated primary care physicians and contracted …
Is There Adverse Selection In The Life Insurance Market? Evidence From A Representative Sample Of Purchasers, Timothy Harris, Aaron Yelowitz
Is There Adverse Selection In The Life Insurance Market? Evidence From A Representative Sample Of Purchasers, Timothy Harris, Aaron Yelowitz
Aaron Yelowitz
This paper examines issues related to asymmetric information in the life insurance market using data that links life insurance holdings with death records for a representative sample of purchasers. Unlike earlier work that found mixed results using a narrow age cohort, this analysis finds no compelling evidence for adverse selection in a broad age cohort.