州级医疗补助计划对家庭财富的影响
Margot Jackson1, Chinyere Agbai1, Emily Rauscher1
1Brown University, United States.
概括
医疗补助的扩张与家庭财富的增加有关,特别是在储蓄和退休账户中. 这些对财富的积极影响在非西班牙裔白人家庭中最为明显,这些家庭的母亲受过更高的教育.
科学领域:
- 卫生经济学 卫生经济学
- 公共政策 公共政策
- 家庭研究 家庭研究
背景情况:
- 医疗补助计划是对儿童健康和福祉的重大公共投资.
- 有限的研究存在于医疗补助对家庭财富积累的影响.
- 了解医疗补助计划对家庭的财务影响对于政策评估至关重要.
研究的目的:
- 调查州级医疗补助慷慨与家庭财富之间的关联.
- 检查医疗补助计划对财富的影响如何因父母的教育程度和种族种族而异.
- 评估医疗补助在世代间财富转移和金融稳定中的作用.
主要方法:
- 使用了79年全国青年纵向调查 (NLSY79) 的纵向数据.
- 将儿童数据与医疗补助计划在产前和婴儿期间的州级变化联系起来.
- 使用回归分析来评估医疗补助慷慨和家庭财富指标 (储蓄,退休账户,抵押贷款) 之间的关系.
主要成果:
- 增加州级医疗补助计划的可用性与更高的家庭总财富有关.
- 储蓄,退休账户和抵押贷款持有量的显著增加.
- 这些财富增强效应主要在非西班牙裔白人家庭和那些母亲受过高等教育的家庭中发现.
结论:
- 儿童早期的医疗补助扩张可以为长期的家庭财富积累做出贡献.
- 医疗补助的财务利益可能会不成比例地累积到特定的人口群体.
- 研究结果表明,医疗补助政策可以影响社会经济轨迹,减少财富差距.
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