Separate and unequal: The effect of unequal access to employment-based health insurance on same-sex and unmarried different-sex couples
Separate and unequal: The effect of unequal access to employment-based health insurance on same-sex and unmarried different-sex couples
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DOI：
10.1093/cep/byl010
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发表时间：
2006-10-01
影响因子：
1.5
通讯作者：
Badgett, M. V. Lee
中科院分区：
文献类型：
--
作者：
Ash, Michael A.;Badgett, M. V. Lee
雇主为法律的配偶提供的健康保险使未婚夫妇在获得保险方面处于不利地位。当前人口调查的数据证实，即使在控制了影响覆盖范围的因素之后，同性或异性未婚伴侣的人没有保险的可能性也是已婚人士的两到三倍。普遍的伴侣保险将使未投保率降低50%。提供家庭伴侣福利的雇主将看到入学率小幅增加：同性恋伴侣增加0.1%-0.3%，异性恋伴侣增加1.3%-1.8%。我们没有发现逆向选择的证据。
Employers' health insurance coverage for legal spouses places unmarried couples at a disadvantage for obtaining coverage. Data from the Current Population Survey confirm that people with same-sex or different-sex unmarried partners are two to three times more likely to be uninsured than married people, even after controlling for factors influencing coverage. Universal partner coverage would cut that uninsured rate by as much as 50%. Employers offering domestic partner benefits would see a small enrollment increase: 0.1%-0.3% for gay and lesbian partners and 1.3%-1.8% for heterosexual partners. We find no evidence of adverse selection.