We study age-rating restrictions in the health insurance marketplaces introduced by the Affordable Care Act. Because most buyers are subsidized, although age-rating restrictions affect pre-subsidy premiums, participation is primarily driven by subsidy generosity rather than pricing decisions....

The Affordable Care Act's medical loss ratio (MLR) provisions require that health insurers spend a minimum percentage of premiums on medical costs, thereby limiting administrative costs and profits. Analyses of annual MLR changes indicate that plans both below and above the minimum MLR manage...

I examine the impact of state policy decisions on the early impact of the ACA using data through the first half of 2014. I focus on the individual health insurance market, which includes plans purchased through exchanges as well as plans purchased directly from insurers. In this market, at least...

Public health insurance is increasingly provided indirectly by private health insurers receiving government subsidies. Previous models find that these subsidies can cause insurers to distort benefits towards services that attract profitable individuals and conversely to provide less favorable...

We provide new insights regarding the finding that Medicaid increased emergency department (ED) use from the Oregon experiment. We find meaningful heterogeneous impacts of Medicaid on ED use using causal machine learning methods. The treatment effect distribution is widely dispersed, and the...

We provide new insights regarding the finding that Medicaid increased emergency department (ED) use from the Oregon experiment. We find meaningful heterogeneous impacts of Medicaid on ED use using causal machine learning methods. The treatment effect distribution is widely dispersed, and the...

We study the effect of the Affordable Care Act's Medicaid expansion on coverage dynamics following the sudden loss of coverage from an employer plan. This analysis leverages novel administrative data capturing monthly health insurance coverage for the U.S. population. Using these data, we...

We present evidence on the health impacts and mechanisms of a large expansion in non-contributory health insurance in Mexico. The Seguro Popular (SP) was rolled out in 2002-2010 across municipalities, providing exogenous variation in access to health services without co-pays. Our intent-to-treat...

Publicly financed Community Based-Health Insurance (CBHI) schemes are typically implemented in developing countries to foster healthcare utilization and improve health outcomes among low-income households. Using the Demographic and Health Survey from 2005 to 2016, we estimate the effects of the...