A Further Analysis of Determinants of Health Insurance Coverage

By Cebula, Richard J. | International Advances in Economic Research, August 2006 | Go to article overview

A Further Analysis of Determinants of Health Insurance Coverage


Cebula, Richard J., International Advances in Economic Research


Abstract

This study uses state-level data to identify key factors influencing geographic differentials in the percentage of the population without health insurance coverage, with particular emphasis placed on the impact of the percentage of the population that is either self-employed or independent contractors. Not surprisingly, the cross-section analysis finds that the percentage of a state's population without health insurance was a decreasing function of median family income in the state, the female labor force participation rate in the state, and the percentage of the state's population age 65 and older, while being an increasing function of the percentage of households in the state with only a female head of household present (no husband present) and the percent of the state's population classified as Hispanic. Reflecting the emphasis in this study, the empirical estimates all also reveal that the percentage of a state's population without health insurance is an increasing the percentage of the state's population that filed a federal personal income tax return that included a Schedule C, which is used in this study as a proxy for self-employment and independent contractors. (JEL I11)

Introduction

Various dimensions of the healthcare industry have attracted considerable attention, especially since the early 1990s. This attention covers a broad spectrum of topics, ranging from hospital costs, profitability, and efficiency issues to medical malpractice to physician staffing to healthcare inflation to markets for health insurance coverage [Bopp, 2005; Burstin, 1998-1999; Chirikos, 1998-1999; Cutler, 1994; Daniels and Gatsonis, 1999; Dushi and Honig, 2003; Gaynor and Haas-Wilson, 1999; Given, 1996; Glied, 2003; Goodman and Stano, 2000; Gruber, 2003; Harris and Keane, 1999; Hart et al., 1997; Holahan et al., 2003; Karsten, 1995; Jordan, 2001; Koch and Cebula, 1992; Marstellar et al., 1998; Newhouse, 1994; Okunade, 2001, 2003; Olsen, 1996; Swartz, 2001, 2003].

Of these issues, that of health insurance coverage has increasingly captured the interest not only of the popular press and political pundits but also of scholars across a variety of academic disciplines. Presumably, as argued in Dushi and Honig [2003, p. 252], at least part of this increased attention from researchers can be attributed to the fact that the "... decline in health insurance coverage over the last two decades is a matter of national concern." Indeed, over a decade ago, Cutler [1994, p. 20] had observed that "About 15 percent of the population ... are uninsured." And much more recently, Swartz [2003, p. 283] has observed that "At least 41 million Americans are currently without health insurance in any given month ..."

This study seeks to provide insights into this issue by identifying key factors that determine geographic differentials in the percentage of the population without health insurance coverage. In particular, after developing a rudimentary framework of the demand for health insurance, this study empirically investigates, using state-level data for all 50 states, the impact of such factors as the following: The female labor force participation rate; the percentage of the population that is unionized; the percentage of family units with a female head of household (i.e., no husband present); median family income; the percentage of the population age 65 and above; and the percentage of the population identified as Hispanic. Although these factors have largely been examined in some fashion or other in previous studies, the present study also expressly endeavors to formally determine empirically the impact on enrollment in health insurance of the percentage of the population that is at least partly self-employed or independent contractors.

The Framework

The framework adopted in this study most closely follows the analyses found in [Dushi and Honig, 2003], [Newhouse, 1994], and [Swartz, 2003]. …

The rest of this article is only available to active members of Questia

Already a member? Log in now.

Notes for this article

Add a new note
If you are trying to select text to create highlights or citations, remember that you must now click or tap on the first word, and then click or tap on the last word.
One moment ...
Default project is now your active project.
Project items
Notes
Cite this article

Cited article

Style
Citations are available only to our active members.
Buy instant access to cite pages or passages in MLA 8, MLA 7, APA and Chicago citation styles.

(Einhorn, 1992, p. 25)

(Einhorn 25)

(Einhorn 25)

1. Lois J. Einhorn, Abraham Lincoln, the Orator: Penetrating the Lincoln Legend (Westport, CT: Greenwood Press, 1992), 25, http://www.questia.com/read/27419298.

Note: primary sources have slightly different requirements for citation. Please see these guidelines for more information.

Cited article

A Further Analysis of Determinants of Health Insurance Coverage
Settings

Settings

Typeface
Text size Smaller Larger Reset View mode
Search within

Search within this article

Look up

Look up a word

  • Dictionary
  • Thesaurus
Please submit a word or phrase above.
Print this page

Print this page

Why can't I print more than one page at a time?

Help
Full screen
Items saved from this article
  • Highlights & Notes
  • Citations
Some of your highlights are legacy items.

Highlights saved before July 30, 2012 will not be displayed on their respective source pages.

You can easily re-create the highlights by opening the book page or article, selecting the text, and clicking “Highlight.”

matching results for page

    Questia reader help

    How to highlight and cite specific passages

    1. Click or tap the first word you want to select.
    2. Click or tap the last word you want to select, and you’ll see everything in between get selected.
    3. You’ll then get a menu of options like creating a highlight or a citation from that passage of text.

    OK, got it!

    Cited passage

    Style
    Citations are available only to our active members.
    Buy instant access to cite pages or passages in MLA 8, MLA 7, APA and Chicago citation styles.

    "Portraying himself as an honest, ordinary person helped Lincoln identify with his audiences." (Einhorn, 1992, p. 25).

    "Portraying himself as an honest, ordinary person helped Lincoln identify with his audiences." (Einhorn 25)

    "Portraying himself as an honest, ordinary person helped Lincoln identify with his audiences." (Einhorn 25)

    "Portraying himself as an honest, ordinary person helped Lincoln identify with his audiences."1

    1. Lois J. Einhorn, Abraham Lincoln, the Orator: Penetrating the Lincoln Legend (Westport, CT: Greenwood Press, 1992), 25, http://www.questia.com/read/27419298.

    Cited passage

    Thanks for trying Questia!

    Please continue trying out our research tools, but please note, full functionality is available only to our active members.

    Your work will be lost once you leave this Web page.

    Buy instant access to save your work.

    Already a member? Log in now.

    Search by... Author
    Show... All Results Primary Sources Peer-reviewed

    Oops!

    An unknown error has occurred. Please click the button below to reload the page. If the problem persists, please try again in a little while.