Weitere Artikel dieser Ausgabe durch Wischen aufrufen
The online version of this article (doi:10.1007/s13524-014-0317-6) contains supplementary material, which is available to authorized users.
Despite the high levels of marital disruption in the United States and the fact that a significant portion of health insurance coverage for those less than age 65 is based on family membership, surprisingly little research is available on the consequences of marital disruption for the health insurance coverage of men, women, and children. We address this shortfall by examining patterns of coverage surrounding marital disruption for men, women, and children, further subset by educational level. Using the 1996, 2001, and 2004 panels of the Survey of Income and Program Participation (SIPP), we find large differences in health insurance coverage across marital status groups in the cross-section. In longitudinal analyses that focus on within-person change, we find small overall coverage changes but large changes in type of coverage following marital disruption. Both men and women show increases in private coverage in their own names, but offsetting decreases in dependent coverage tend to be larger. One surprising result is that dependent coverage for children also declines after marital dissolution, even though children are still likely to be eligible for that coverage. Children and (to a lesser extent) women show increases in public coverage around the time of divorce or separation. We also find that these patterns differ by education. The most vulnerable group appears to be lower-educated women with children because the increases in private, own-name, and public insurance are not large enough to offset the large decrease in dependent coverage. As the United States implements federal health reform, it is critical that we understand the ways in which life course events—specifically, marital disruption—shape the dynamic patterns of coverage.
Bitte loggen Sie sich ein, um Zugang zu diesem Inhalt zu erhalten
Sie möchten Zugang zu diesem Inhalt erhalten? Dann informieren Sie sich jetzt über unsere Produkte:
Online Resource 1 (DOCX 101 kb)13524_2014_317_MOESM1_ESM.docx
Abraham, J., & Royalty, A. (2005). Does having two earners in the household matter for employer-based health insurance? Medical Care Research and Review, 62, 167–186.
Addo, F. R., & Sassler, S. (2010). Financial arrangements and relationship quality in low-income couples. Family Relations, 59, 408–423. CrossRef
Berk, M. L., & Taylor, A. K. (1984). Women and divorce: Health insurance coverage, utilization, and health care expenditures. American Journal of Public Health, 74, 1276–1278. CrossRef
Bianchi, S. M., Subaiya, L., & Kahn, J. R. (1999). The gender gap in the economic well-being of nonresident fathers and custodial mothers. Demography, 36, 195–203. CrossRef
Buchmueller, T., & Valletta, R. G. (1999). The effect of health insurance on married female labor supply. Journal of Human Resources, 34, 42–70. CrossRef
Cawley, J., & Simon, K. (2005). Health insurance coverage and the macroeconomy. Journal of Health Economics, 24, 299–315. CrossRef
Congressional Budget Office. (2012, March 15). The effects of affordable care on employment based health insurance [Web log]. Retrieved from http://cbo.gov/publication/43090
Couch, K. A., & Placzek, D. W. (2010). Earnings losses of displaced workers revisited. American Economic Review, 100, 572–589. CrossRef
Couch, K. A., Tamborini, C. R., Reznik, G. L., & Phillips, J. R. W. (2013). Divorce, women’s earnings, and retirement over the life course. In K. Couch, M. C. Daly, & Zissimopoulos (Eds.), Lifecycle events and their consequences: Job loss, family change, and declines in health (pp. 133–157). Stanford, CA: Stanford University Press. CrossRef
Currie, J., Decker, V., & Lin, W. (2008). Has public health insurance for older children reduced disparities in access to care and health? Journal of Health Economics, 27, 1567–1581. CrossRef
Currie, J., & Yelowitz, A. (2000). Health insurance and less skilled workers. In D. Card & R. M. Blank (Eds.), Finding jobs: Work and welfare reform (pp. 233–261). New York, NY: Russell Sage Foundation.
Cutler, D. M., & Gruber, J. (1996). Does public insurance crowd out private insurance? Quarterly Journal of Economics, 111, 391–430. CrossRef
Cutler, D. M., & Lleras-Muney, A. (2010). Understanding differences in health behaviors by education. Journal of Health Economics, 29, 1–28. CrossRef
DeNavas-Walt, C., Proctor, B. D., & Smith, J. D. (2012). Income, poverty, and health insurance coverage in the United States: 2011. Washington, DC: U.S. Census Bureau. Retrieved from http://www.census.gov/prod/2012pubs/p60-243.pdf
Employee Benefits Research Institute (EBRI). (2004). Domestic partner benefits: Facts and background (Report). Retrieved from http://www.ebri.org/pdf/publications/facts/0304fact.pdf
Goldman, N. (1993). Marriage selection and mortality patterns: Inferences and fallacies. Demography, 30, 189–208. CrossRef
Grall, T. S. (2013). Custodial mothers and fathers and their child support: 2011 (Current Population Reports No. P60-246). Washington, DC: U.S. Census Bureau. Retrieved from http://www.census.gov/prod/2011pubs/p60-240.pdf
Gruber, J. (2008). Covering the uninsured in the United States. Journal of Economic Literature, 46, 571–606. CrossRef
Gruber, J., & Simon, K. (2008). Crowd-out ten years later: Have recent expansions of public health insurance crowded out private health insurance? Journal of Health Economics, 27, 201–217. CrossRef
Heck, K. E., & Parker, J. D. (2002). Family structure, socioeconomic status, and access to health care for children. Health Services Research, 37, 173–187.
Heimdal, K. R., & Houseknecht, S. K. (2003). Cohabiting and married couples’ income organization: Approaches in Sweden and the United States. Journal of Marriage and Family, 65, 525–538. CrossRef
Jacobson, L., LaLonde, R., & Sullivan, D. (1993). Earnings losses of displaced workers. American Economic Review, 83, 685–709.
Janicki, H. (2013). Employment-based health insurance: 2010 (Household Economic Studies Report No. P70-134). Washington, DC: U.S. Census Bureau. Retrieved from http://www.census.gov/prod/2013pubs/p70-134.pdf
Johnson, W. R., & Skinner, J. (1986). Labor supply and marital separation. American Economic Review, 76, 455–469.
Kaestner, R., & Kaushal, N. (2005). Welfare reform and health insurance coverage of low-income families. Journal of Health Economics, 22, 959–981. CrossRef
Kaiser Family Foundation. (2013). State decisions for creating health insurance exchanges and expanding Medicaid [Data file]. Retrieved from http://www.statehealthfacts.org/comparetable.jsp?ind=1075&cat=17
Kapur, K., Escarce, J., Marquis, M. S., & Simon, K. I. (2008). Where do the sick go? Health insurance and employment in small and large firms. Southern Economic Journal, 74, 644–664.
Karoly, L. A., & Rogowski, J. (1994). Effect of access to post-retirement health insurance on the decision to retire early. Industrial and Labor Relations Review, 48, 103–123. CrossRef
Landers, J. A. (2012, May 7). Divorce questions: Can I still get medical insurance from my ex after divorce? Huffington Post. Retrieved from http://www.huffingtonpost.com/2012/05/07/divorce-questions-health-insurance_n_1480138.html
Lavelle, B., & Smock, P. J. (2012). Divorce and women’s risk of health insurance loss. Journal of Health and Social Behavior, 53, 413–431. CrossRef
Lillard, L. A., & Panis, C. W. A. (1998). Panel attrition from the Panel Study of Income Dynamics: Household income, marital status, and mortality. Journal of Human Resources, 33, 437–457. CrossRef
Madrian, B. C. (1994). Employment-based health insurance and job mobility: Is there evidence of job-lock? Quarterly Journal of Economics, 109, 27–54. CrossRef
McGorrian, C. D. (2012). A spouse’s right to health insurance after a divorce: A review. Massachusetts Bar Association Section Review, 5(2). Retrieved from http://www.massbar.org/publications/section-review/2003/v5-n2/a-spouses-right-to-health
Mincy, R., Hill, J., & Sinkewicz, M. (2009). Marriage: Cause or mere indicator of future earnings growth? Journal of Policy Analysis and Management, 28, 417–439. CrossRef
Monheit, A. C., & Cunningham, P. J. (1992). Children without health insurance. U.S. Health Care for Children, 2(2), 154–170.
National Center for Health Statistics. (2013). National marriage and divorce rate trends [Data file]. Retrieved from http://www.cdc.gov/nchs/nvss/marriage_divorce_tables.htm
Pollack, H., & Kronebusch, K. (2005). Health insurance and vulnerable populations (ERIU Working Paper No. 5). Ann Arbor, MI: Economic Research Initiative on the Uninsured.
Salganicoff, A. (2008). Women’s health policy: Coverage and access to care [KaiserEDU.orgTutorial]. Retrieved from http://podcast.kff.org/podcast/tutorial/nonelderly.zip
Schaefer, J. (2009). Domestic partner benefit availability in the US: A discussion of issues related to cost, plan design, and administration. Graziadio Business Review, 12(3). Retrieved from http://gbr.pepperdine.edu/2010/08/domestic-partner-benefits-in-the-united-states/
Stevenson, B., & Wolfers, J. (2007). Marriage and divorce: Changes and their driving forces. Journal of Economic Perspectives, 21(2), 27–52. CrossRef
Taber, J. R. (2011, November). The effect of child support health insurance mandates on children’s health insurance coverage. Paper presented at the Association for Public Policy Analysis and Management Fall Research Conference: Seeking Solutions to Complex Policy & Management Problems, Washington, DC.
U.S. Department of Labor (USDOL). (2012). An employee’s guide to health benefits under COBRA: The Consolidated Omnibus Budget Reconciliation Act of 1985. Washington, DC: Employee Benefits Security Administration (EBSA). Retrieved from http://www.dol.gov/ebsa/pdf/cobraemployee.pdf
Weinick, R. M., & Monheit, A. C. (1999). Children’s health insurance coverage and family structure, 1977–1996. Medical Care Research and Review, 56, 55–73. CrossRef
Willis, R., & Weir, D. (2002). Widowhood, divorce, and loss of health insurance among near elderly women: Evidence from the Health and Retirement Study (ERIU Working Paper No. 7). Ann Arbor, MI: Economic Research Initiative on the Uninsured. Retrieved from http://rwjf-eriu.org/pdf/wp7.pdf
Zabel, J. E. (1998). An analysis of attrition in the Panel Study of Income Dynamics and the Survey of Income and Program Participation with an application to a model of labor market behavior. Journal of Human Resources, 33, 479–506. CrossRef
Zimmer, D. M. (2007). Asymmetric effects of marital separation on health insurance among men and women. Contemporary Economic Policy, 25, 92–106. CrossRef
- Marital Disruption and Health Insurance
H. Elizabeth Peters
Jamie Rubenstein Taber
- Springer US