Essays on Reforming Health Care and Public Transfer Programs

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contracts are bought directly from insurance companies by the households. \u003cbr\u003e\nPremiums for these contracts are not \u003cb\u003etax deductible\u003c/b\u003e. In the model, the working \u003cbr\u003e\nagent can decide between a low \u003cb\u003edeductible health insurance\u003c/b\u003e, a high \u003cb\u003edeductible\u003c/b\u003e \u003cbr\u003e\nhealth ...

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Essays on Reforming Health Care and Public Transfer Programs
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Author By :
Published Date : 2008
Published by : ProQuest
Books Language : en

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My dissertation is focused on the effects of re-distributional policies with an emphasis on health care reform. In the first essay I analyze whether a consumer driven health care plan like the newly established Health Savings Accounts (HSAs) can reduce health care expenditures in the United States and increase the fraction of the population with health insurance. My results indicate that HSAs can decrease total health expenditures by up to 3% of GDP but can also increase the number of uninsured individuals by almost 5%. Furthermore, HSAs decrease the aggregate level of health capital and therefore decrease output. In the second essay I construct subjective health expectations curves and empirically evaluate its components using data from the Health and Retirement Study. I find that (i) subjective health expectations do contain additional information that is not incorporated in subjective mortality expectations and (ii) that the rational expectations assumption cannot be rejected for subjective health expectations. In the third essay I investigate whether a redistribution program that targets older individuals can \

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