NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

The Effect of the Patient Protection and Affordable Care Act Medicaid Expansions on Financial Wellbeing

Luojia Hu, Robert Kaestner, Bhashkar Mazumder, Sarah Miller, Ashley Wong

NBER Working Paper No. 22170
Issued in April 2016, Revised in August 2017
NBER Program(s):Health Economics

We examine the effect of the Medicaid expansions under the 2010 Patient Protection and Affordable Care Act (ACA) on consumer financial outcomes using data from a major credit reporting agency for a large, national sample of adults. We employ the synthetic control method to compare individuals living in states that expanded Medicaid to those that did not. We find that the Medicaid expansions significantly reduced the number of unpaid bills and the amount of debt sent to third-party collection agencies among those residing in zip codes with the highest share of low-income, uninsured individuals. Our estimates imply a reduction in collection balances of approximately $1,140 among those who gain Medicaid coverage due to the ACA. Our findings suggest that the ACA Medicaid expansions had important financial impacts beyond health care use.

download in pdf format
   (2128 K)

email paper

A non-technical summary of this paper is available in the August 2016 NBER digest.  You can sign up to receive the NBER Digest by email.

The NBER Bulletin on Aging and Health provides summaries of publications like this.  You can sign up to receive the NBER Bulletin on Aging and Health by email.

Machine-readable bibliographic record - MARC, RIS, BibTeX

Document Object Identifier (DOI): 10.3386/w22170

Users who downloaded this paper also downloaded* these:
Courtemanche, Marton, Ukert, Yelowitz, and Zapata w22182 Impacts of the Affordable Care Act on Health Insurance Coverage in Medicaid Expansion and Non-Expansion States
Bertrand and Mullainathan w9873 Are Emily and Greg More Employable than Lakisha and Jamal? A Field Experiment on Labor Market Discrimination
Brown, Kowalski, and Lurie w20835 Medicaid as an Investment in Children: What is the Long-Term Impact on Tax Receipts?
Goda, Farid, and Bhattacharya w21846 The Incidence of Mandated Health Insurance: Evidence from the Affordable Care Act Dependent Care Mandate
Wherry, Miller, Kaestner, and Meyer w20929 Childhood Medicaid Coverage and Later Life Health Care Utilization
 
Publications
Activities
Meetings
NBER Videos
Themes
Data
People
About

National Bureau of Economic Research, 1050 Massachusetts Ave., Cambridge, MA 02138; 617-868-3900; email: info@nber.org

Contact Us