Data and Code for: Racial Wealth Inequality and Access to Care with High Deductible Health Insurance

Principal Investigator(s): View help for Principal Investigator(s) Naomi Zewde, University of California-Los Angeles

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Project Citation:

Zewde, Naomi. Data and Code for: Racial Wealth Inequality and Access to Care with High Deductible Health Insurance. Nashville, TN: American Economic Association [publisher], 2024. Ann Arbor, MI: Inter-university Consortium for Political and Social Research [distributor], 2024-10-09. https://doi.org/10.3886/E202662V1

Project Description

Summary: This paper evaluates racial inequalities in healthcare affordability between high-deductible and conventional insurance. Using the 2011-2017 National Health Interview Survey, the study finds that Blacks in high-deductible plans are not disproportionately higher-income nor more engaged in other savings vehicles, unlike their White counterparts, indicating they may be income constrained rather than desiring to partially self-insure. Furthermore, conditional on income, wealth explained more of the racial disparity in healthcare access among high-deductible enrollees than conventional enrollees, consistent with the hypothesis that benefit designs relying on households’ cash reserves would yield greater disparities due to the magnitude of racial inequalities in assets.

Scope of Project

JEL Classification:
      I13 Health Insurance, Public and Private
      I14 Health and Inequality
      J15 Economics of Minorities, Races, Indigenous Peoples, and Immigrants; Non-labor Discrimination

Geographic Coverage: United States

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V1 [2024-10-09]

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