essays in public finance and industrial organization a dissertation ...

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CHAPTER 1. BANKRUPTCY 57 Table 1.6: The Effect on Assets Dependent variable: 1(homeowner) ln(home equity) 1(homeowner) ln(home equity) 1(vehicle owner) ln(vehicle equity) 1(wealth > 0) ln(wealth) OLS 2SLS OLS (1) (2) (3) (4) (5) (6) (7) (8) Homestead instrument -0.009 0.000 0.066 0.000 (0.014) (0.000) (0.149) (0.000) Vehicle instrument -0.088 -0.288 (0.064) (0.149) Baseline instrument 0.008 0.000 -0.078 0.000 -0.025 -0.047 -0.011 -0.011 (0.031) (0.000) (0.178) (0.000) (0.014) (0.041) (0.007) (0.083) Demographic controls Yes Yes Yes Yes Yes Yes Yes Yes Income polynomial (4th order) Yes Yes Yes Yes Yes Yes Yes Yes Wealth polynomial (4th order) Yes Yes Yes Yes Yes Yes Instrument Historical homestead Yes Yes R-squared 0.47 1.00 - - 0.16 0.35 0.10 0.43 N 20,265 17,293 17,418 14,836 20,265 17,699 20,265 17,293 Notes: Regressions of assets (indicators for positive values and log values) on state-level measures of asset exemption law (the instruments). The homestead instrument is mean log seizable home equity for a constant, nationally representative sample of households as though they lived in each state. The historical, vehicle, and baseline instruments are constructed similarly using seizable home equity under inflation-adjusted 1920 homestead exemption laws, seizable vehicle equity, and seizable assets. Demographic controls are dummies for age group, family structure, race, and education. Pooled 1999 to 2005 PSID excluding households with public insurance or a head age 65 or older. Inflation-adjusted to 2005 using the CPI-U. Homeownership rate is 72.5 percent. Vehicle ownership rate is 91.0 percent.
CHAPTER 1. BANKRUPTCY 58 Table 1.7: The Effect on Premiums Dependent variable: ln(premium) OLS 2SLS (1) (2) (3) (4) (5) (6) Baseline instrument -0.098 -0.098 -0.074 -0.093 -0.111 -0.160 State controls (0.059) (0.053) (0.038) (0.106) (0.107) (0.076) Medicaid (share) -0.354 -0.289 -0.417 -0.617 (1.004) (0.794) (1.185) (0.890) Income 0.000 0.000 0.000 0.000 (0.000) (0.000) (0.000) (0.000) Unemployment (share) -0.065 -0.540 1.120 -0.333 Additional state legislative factors (2.675) (1.850) (3.060) (1.767) Coverage mandates 0.003 0.000 (0.004) (0.004) Any willing phamacists 0.058 0.031 (0.051) (0.058) Any willing provider -0.026 -0.050 (0.060) (0.067) Community rating 0.532 -0.016 (0.089) (0.070) Guarenteed issue -0.450 0.091 (0.133) (0.135) Charity care pool -0.140 -0.207 (0.060) (0.064) Plan FE Yes Yes Yes Yes Yes Yes Instrument Historical instrument Yes Yes Yes R-squared 0.833 0.834 0.865 - - - N 1,891 1,891 1,891 1,420 1,420 1,420 Notes: The dependent variable is the monthly premium for a 30-year-old non-smoking male for plans offered by eHealthInsurance. The baseline instrument is mean log seizable assets for a constant, nationally representative sample of households as though they lived in that state. In the 2SLS specifications, mean seizable home equity under 1920 homestead exemptions laws is used as an instrument. Robust standard errors clustered at the state level in parentheses. Premiums inflation-adjusted to 2005 using the CPI-U.
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ESSAYS IN PUBLIC FINANCE AND INDUST
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I certify that I have read this dis
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insurance choice. Among other thing
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Acknowledgements I am deeply thankf
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Contents Preface iv Acknowledgement
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2.5.3 The Value of Plan Choice ....
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List of Tables 1.1 Asset Exemption
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4.9 First Week Contract Spending fo
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4.3 I.T. Contracting by Week ......
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CHAPTER 1. BANKRUPTCY 2 of the dead
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CHAPTER 1. BANKRUPTCY 4 relevant le
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Page 52: CHAPTER 1. BANKRUPTCY 35 of income
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Page 59 and 60: Payments CHAPTER 1. BANKRUPTCY 42 $
Page 61 and 62: OOP payments CHAPTER 1. BANKRUPTCY
Page 63 and 64: ln(seizable sssets) CHAPTER 1. BANK
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CHAPTER 2. HEALTH PLAN CHOICE 107 T
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CHAPTER 2. HEALTH PLAN CHOICE 109 T
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CHAPTER 2. HEALTH PLAN CHOICE 111 F
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CHAPTER 2. HEALTH PLAN CHOICE 113 6
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Chapter 3 Private Coverage and Publ
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CHAPTER 3. MEDIGAP 119 be of intere
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CHAPTER 3. MEDIGAP 121 hazard for i
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CHAPTER 3. MEDIGAP 123 have benefit
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CHAPTER 3. MEDIGAP 128 We use boots
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CHAPTER 3. MEDIGAP 130 of costs and
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CHAPTER 3. MEDIGAP 132 policy that
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CHAPTER 3. MEDIGAP 134 3.6.2 Causal
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CHAPTER 3. MEDIGAP 136 3.6.3 Robust
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CHAPTER 3. MEDIGAP 138 calculated u
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CHAPTER 3. MEDIGAP 140 (10000,11000
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CHAPTER 3. MEDIGAP 142 Table 3.2: S
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CHAPTER 3. MEDIGAP 144 Table 3.4: H
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CHAPTER 3. MEDIGAP 146 Table 3.6: S
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CHAPTER 3. MEDIGAP 148 Table 3.8: R
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CHAPTER 3. MEDIGAP 150 Table 3.10:
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CHAPTER 3. MEDIGAP 152 Table 3.12:
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CHAPTER 4. YEAR-END SPENDING 154 bu
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CHAPTER 4. YEAR-END SPENDING 156 in
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CHAPTER 4. YEAR-END SPENDING 159 To
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CHAPTER 4. YEAR-END SPENDING 163 4.
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CHAPTER 4. YEAR-END SPENDING 165 or
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CHAPTER 4. YEAR-END SPENDING 167 ha
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CHAPTER 4. YEAR-END SPENDING 169 It
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CHAPTER 4. YEAR-END SPENDING 172 To
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CHAPTER 4. YEAR-END SPENDING 175 0.
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CHAPTER 4. YEAR-END SPENDING 177 Th
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CHAPTER 4. YEAR-END SPENDING 179 to
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CHAPTER 4. YEAR-END SPENDING 181 Co
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CHAPTER 4. YEAR-END SPENDING 183 Fi
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CHAPTER 4. YEAR-END SPENDING 185 Sp
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CHAPTER 4. YEAR-END SPENDING 187 Ta
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