Refugees' Human and Social Capital and Health Insurance Coverage

The lack of health insurance coverage is one of the most serious challenges confronting refugees and an important public policy issue. This study examines how refugees' human and social capital is linked to their health insurance coverage. This study uses the 2020 Annual Survey of Refugees public use data file to test the relationship between refugees' human and social capital and their health insurance coverage. 770 refugees who entered the U.S. between 2015 and 2019 are included in the sample. Health insurance coverage is measured in three different levels: no coverage at all, coverage with a gap, and coverage all year long. This study employs an ordered probit regression. The findings show that refugees' human capital, regardless of whether it is from refugees' home country or the U.S., is not associated with health insurance coverage. However, refugees' social capital, in terms of their involvement in religious organizations and their informal bridging network with people from a different culture, is positively associated with coverage. The analysis also reveals a gap in coverage once the initial government assistance ends, and refugees' paid employment and household income are negatively associated with health insurance coverage. The findings suggest that refugees' social capital in the new country plays an important role in obtaining the necessary information for healthcare access while the positive impacts of human capital on healthcare access may not apply to the refugee population. Therefore, resettlement programs should place an emphasis on helping refugees build and enhance social connections with people of diverse cultural backgrounds.