In this paper I examine the characteristics of adults who report on whether they have health care coverage and of people who say that they are unable to see a doctor over the preceding year because of the cost. I make use of a unique data set, the Behavioral Risk Factor Surveillance System, a...

Using data from the US Health and Retirement Study, we study the causal effect of increased health insurance coverage through Medicare and the associated reduction in health-related background risk on financial risk-taking. Given the onset of Medicare at age 65, we identify our effect of...