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Early Effects of the Affordable Care Act on Insurance Outcomes: Evidence from the 2010 Dependent Coverage Mandate

April 13, 2012 Comments off

Early Effects of the Affordable Care Act on Insurance Outcomes: Evidence from the 2010 Dependent Coverage Mandate (PDF)
Source: Indian University Department of Economics

The mandated extension of dependent employer coverage to older children was one of the earliest implemented provisions of the 2010 Affordable Care Act. Using data from January 2009- March 2011 from the Survey of Income and Program Participation (SIPP), and double and triple differences estimation methods, we analyze the impact of this provision on insurance coverage rates and employment patterns of young adults aged 19 to 25 years relative to those slightly younger and slightly older who are not directly affected by the law. We find that the ACA provision raised dependent insurance rates of young adults considerably. We also find preliminary evidence of greater flexibility in the labor market in the form of increased turnover rates. Overall, the provision reduced uninsurance among those aged 19 to 25 years by 2.5 percentage points (3.7 percent) by the end of the first quarter of 2011, relative to uninsurance rates prior to September 2010. In terms of specific forms of coverage, dependent policies through parents increased by 4.6 percentage points (18.7 percent), individually purchased coverage reduced by 0.6 percentage points (10 percent) and own name employer insurance reduced by 2 percentage points (10 percent) . Exploring these results further, we find that the effects are concentrated among those with low marginal cost of dependent coverage.

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At Risk: America’s Poor During and After the Great Recession

January 12, 2012 Comments off

At Risk: America’s Poor During and After the Great Recession (PDF)
Source: Indiana University, School of Public and Environmental Affairs

The Great Recession officially began in December 2007 and ended in June 2009. A slow recovery is underway, but the severity and extended duration of the downturn have inflicted long-lasting damage to individuals, families, and communities.

This White Paper examines the impact of the Great Recession and its aftermath on poverty in America. Our focus is not only the well-being of the poor but the near poor and the “new poor,” the millions of families who are entering poverty because of the Great Recession’s terrible toll of long-term unemployment. The Paper examines the recent trends in poverty, nationally and in the 50 states, in the context of the well-established risk factors for poverty: age, race and ethnicity, family structure, educational attainment, and employment.

We also examine the performance of America’s “safety net:” the major federal and state programs designed to protect the well-being of low-income Americans. Given the poor fiscal condition of the public sector, we also consider what is likely to happen to funding for the safety net between now and 2017, when the economy is forecasted to reach full employment again. Our principal conclusion is that the well-being of low-income Americans, particularly the working poor, the near poor, and the new poor, are at substantial risk, despite the economic recovery.

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