Health Economics Commons^™

Can Human Capital Explain The Difference In Private Health Insurance Coverage Rates Between Natives And Immigrants?, Benjamin S. White

Undergraduate Economic Review

This paper investigates how human capital variables, especially educational attainment and health disability, affect an immigrant’s probability to have private health insurance. Specifically, is there a convergence to natives’ coverage rates for immigrants as human capital is controlled for? Two probit regressions are used to answer this question, one to analyze the employer provided health insurance market and another to analyze privately purchased health insurance market. The principle finding is that human capital variables are important in determining access to private health insurance. However, a health insurance coverage differential does remain between immigrants and natives.