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2019 Conference

May 21–23, 2019

Westin Arlington Gateway, Arlington, VA, USA

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A3a ACA Premium Subsidies and Housing Expenditures among Renters

Tuesday, May 21, 2019 at 5:15 PM–6:45 PM EDT
F. Scott Fitzgerald D
Key Words

Housing consumption, renters, health insurance, Affordable Care Act

Short Description

The life-cycle model suggests that uninsured households facing unpredicted, large medical expenditures should reduce their consumption and maintain a savings buffer against financial shortfalls. For lower income households, housing represents the largest consumption expenditure. This implies that low income households should increase their housing consumption when they obtain health insurance.  In this study, we examine the effect of health insurance on housing decisions of renters using the introduction of marketplace insurance and premium subsidies under the Affordable Care Act (ACA). We exploit a regression discontinuity design. By comparing renters with income just below and just above the subsidy eligibility threshold in Medicaid non-expansion states, we identify the causal effect of health insurance on renters’ housing consumption. Our preliminary results show that renters who are eligible for premium subsidies have higher monthly rent expenditures. Our findings have important implications for subsequent physical and mental well-being of low-income households.

First & Corresponding Author

Guangyi Wang, Ohio State University
Authors in the order to be printed

Guangyi Wang, Lauren Jones, Tansel Yilmazer

Additional Authors

Lauren Jones, Ohio State University
Tansel Yilmazer, Ohio State University
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