NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

Bankruptcy as Implicit Health Insurance

Neale Mahoney

NBER Working Paper No. 18105
Issued in May 2012

---- Acknowledgements -----

I thank my advisers Liran Einav, Caroline Hoxby, and Jonathan Levin for their guidance and support. I am grateful to Didem Bernard and Ray Kuntz at AHRQ for help with the restricted access MEPS data, Richard Hynes for sharing data on asset exemptions, and Amanda Kowalski for sharing data on insurance market regulations. I thank Martin Anderson, Marika Cabral, Amy Finkelstein, Paul Goldsmith-Pinkham, Tal Gross, Kathy Swartz, Alessandra Voena, Gui Woolston, and numerous seminar participants for their comments. Financial support from a Kapnick Fellowship, Ric Weiland Fellowship, and Shultz Fellowship is gratefully acknowledged. All errors are my own. The views expressed herein are those of the author and do not necessarily reflect the views of the National Bureau of Economic Research.

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