NATIONAL BUREAU OF ECONOMIC RESEARCH
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The ACA Medicaid Expansion in Michigan and Financial Health

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

NBER Working Paper No. 25053
Issued in September 2018
NBER Program(s):Health Care, Health Economics

This article examines the impact of the Affordable Care Act Medicaid expansion in Michigan, the Healthy Michigan Program (HMP), on the financial well-being of new Medicaid enrollees. Our analysis uses a dataset on credit reports matched to administrative data on HMP enrollment and use of health care services. We find that enrollment is associated with large improvements in several measures of financial health, including reductions in unpaid bills, medical bills, over limit credit card spending, delinquencies, and public records (such as evictions, judgments, and bankruptcies). These benefits are apparent across several subgroups, although individuals with greater medical need (such as those with chronic illnesses) experience the largest improvements.

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Document Object Identifier (DOI): 10.3386/w25053

 
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