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Poverty: Insurance Theory and the Medically Uninsured

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  • Kevin Frick
  • Anthony Bopp

Abstract

The federal/state Medicaid program is designed to provide health insurance for the nation's poorest, yet between 15 and 20 percent of the population continue to have no health insurance. Classic utility-based insurance theory is examined to see if it well explains why some do and some do not purchase health insurance at the state level or if a host of other non-economic factors are needed. This pooled, cross-sectional time-series analysis shows that the state characteristics most strongly associated with the prevalence of a lack of health insurance is the percent of persons whose income falls below the poverty line, the percent of the state's population that is female and the percent of the population with only a high school education. This analysis suggests that the starting point for policies aimed at limiting the number of insured should be limiting poverty and perhaps recognizing the gender/education influence in designing state eligibility requirements. Copyright International Atlantic Economic Society 2005

Suggested Citation

  • Kevin Frick & Anthony Bopp, 2005. "Poverty: Insurance Theory and the Medically Uninsured," Atlantic Economic Journal, Springer;International Atlantic Economic Society, vol. 33(4), pages 451-459, December.
    • Handle: RePEc:kap:atlecj:v:33:y:2005:i:4:p:451-459
    DOI: 10.1007/s11293-005-2872-0
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    References listed on IDEAS

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    1. M. Kate Bundorf & Mark V. Pauly, 2002. "Is Health Insurance Affordable for the Uninsured?," NBER Working Papers 9281, National Bureau of Economic Research, Inc.
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    Cited by:

    1. repec:kap:iaecre:v:14:y:2008:i:3:p:336-347 is not listed on IDEAS
    2. Richard J. Cebula, 2008. "Small Firm Size and Health Insurance: A Private Enterprise Perspective," Journal of Private Enterprise, The Association of Private Enterprise Education, vol. 24(Fall 2008), pages 51-77.
    3. Richard Cebula & Anthony Bopp, 2008. "Estimating the Percentage of the US Population without Health Insurance: An Ecological Approach," International Advances in Economic Research, Springer;International Atlantic Economic Society, vol. 14(3), pages 336-347, August.
    4. Richard Cebula, 2006. "A Further Analysis of Determinants of Health Insurance Coverage," International Advances in Economic Research, Springer;International Atlantic Economic Society, vol. 12(3), pages 382-389, August.
    5. Cebula, Richard, 2010. "Effects of Health Insurance and Medical Care Inflation on Voluntary Enlistment in the Army: An Empirical Study in the United States," MPRA Paper 51246, University Library of Munich, Germany.
    6. Cebula, Richard & Nair-Reichert, Usha & Taylor, Kyle, 2009. "Does a Lack of Health Insurance Elicit an Increase in the Rate of Voluntary Military Enlistment in the U.S.? The "Military Health Care Magnet Hypothesis," 1974-2007," MPRA Paper 56719, University Library of Munich, Germany.
    7. Alexander, Gigi & Cebula, Richard & Saadatmand, Yassamand, 2005. "Determinants of the Percent of the Population Enrolled in HMOs," MPRA Paper 51268, University Library of Munich, Germany.

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    More about this item

    Keywords

    I18; I10;

    JEL classification:

    • I18 - Health, Education, and Welfare - - Health - - - Government Policy; Regulation; Public Health
    • I10 - Health, Education, and Welfare - - Health - - - General

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