Health Insurance Coverage And The Role Of Income Uncertainty

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Executive Summary

This paper uses the National Longitudinal Survey data set to examine the role of income uncertainty in explaining the likelihood of health insurance coverage among individuals. After controlling for a number of socioeconomic, demographic, and behavioral factors, the results suggest that individuals who face greater income uncertainty are less likely to have health insurance coverage. Additionally, the likelihood of health insurance coverage increases with income and educational attainment. Health insurance is a financial product that mitigates an individual's financial loss and provides access to health care services, which are associated with improved health status (Ehrlich & Becker, 1972).

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