Health Insurance, Non-Deferrable Health Events and Financial Risk

在此输入文本，它是您的应用程序的新摘要信息。此部分必须为no 超过30行的文本。 这项研究的目的是评估医疗保险对老年人财务风险的影响 青年老年人(65-80岁)相对于近老年人(50岁-)。近些年的老年人 根据年龄不符合医疗保险的条件，但比一般人更有可能拥有 严重的健康状况，因此面临医疗支出风险(Williams等人)。2010)。 虽然只有不到1%的老年人没有保险，但近15%的近老年人 2010年缺乏保险(KFF2011b)。因此，健康保险有可能显著 影响老年人相对于接近老年人的财务风险的暴露。 我们将使用15年(1996-2010年)的医疗支出小组调查(MEP)，这是最高的 高质量的具有全国代表性的数据，其中包含关于医疗保险覆盖范围、健康 条件、医疗总支出和自付医疗支出，包括总体和按类别(例如 住院病人、门诊病人)。我们将用医疗方面的次要数据来补充欧洲议会议员的分析- 来自健康跟踪家庭调查(HTHS)和唯一初级家庭调查的相关经济压力 从以下网站收集的与医疗支出相关的实际和预期财务风险数据 兰德美国生活小组(ALP)。使用这些数据，该探索性项目将解决 以下目标： (1)估计健康保险与实际和感知的财务风险之间的关系 利用老年医疗保险覆盖间断性的回归间断性框架 65. (2)调查医疗保险对实际财务风险和感知财务风险影响的异质性 在教育和种族/族裔群体之间的差异及其对金融风险差异的影响。 (3)估计与医疗保险相关的风险敞口在预期时间内的福利变化 效用框架，并将这一变化与计划的社会成本进行比较。

Enter the text here that is the new abstract information for your application. This section must be no longer than 30 lines of text. The goal of this study is to estimate the impact of health insurance on financial risk among the young elderly (ages 65-80) relative to the near elderly (ages 50-64). The near elderly are ineligible for Medicare based on age but are more likely than the general population to have serious health conditions and thus be exposed to medical expenditure risk (Williams et al. 2010). While less than 1 percent of the elderly are uninsured, almost 15 percent of the near elderly lacked insurance in 2010 (KFF 2011b). Thus, health insurance has the potential to significantly affect exposure to financial risk for the elderly relative to the near elderly. We will use 15 years (1996-2010) of the Medical Expenditure Panel Survey (MEPS), the highest quality nationally representative data containing information on health insurance coverage, health conditions, and total and out-of-pocket medical spending, both overall and by category (e.g. inpatient, outpatient). We will supplement the MEPS analysis with secondary data on medical- related financial stress from the Health Tracking Household Survey (HTHS) and unique primary data collected on the actual and perceived financial risk associated with health spending from the RAND American Life Panel (ALP). Using these data this exploratory project will address the following aims: (1) Estimate the relationship between health insurance and actual and perceived financial risk in an regression discontinuity framework, exploiting the discontinuity in Medicare coverage at age 65. (2) Investigate heterogeneity in the impact of Medicare on both actual and perceived financial risk across education and race/ethnicity groups as well as its impact on disparities in financial risk. (3) Estimate the welfare change from Medicare-related changes in risk exposure in an expected utility framework and compare this change to the social cost of the program.