Search Results

Author: Han, Shijie
Resulting in 1 citation.
1. Han, Shijie
Essays on Health Economics
Ph.D. Dissertation, Department of Economics, The Ohio State University, 2017.
Cohort(s): NLSY97
Publisher: OhioLINK
Keyword(s): College Graduates; Debt/Borrowing; Health Care; Insurance, Health; Panel Study of Income Dynamics (PSID); Student Loans

Permission to reprint the abstract has not been received from the publisher.

The first chapter examines the effects of the 2010 Affordable Care Act (ACA) provision, which requires insurers to allow dependents to remain on parental health insurance policies until age 26, on a variety of outcomes among college graduates with student loan debt. Using data from the National Longitudinal Survey of Youth 1997, in which the majority of the sample were unable to benefit from the provision due to the age restriction, we find larger student loan debt is associated with a lower probability of having health insurance, and lower utilization of routine checkups as well as doctor visits in time of sickness. Using data from the Panel Survey of Income Dynamics, we find that among college graduates who were eligible for the provision, having more student loan debt increases the likelihood of joining a parental health insurance plan. We also estimate a difference-in-difference model and find that for the average college graduate in the sample, being eligible for the provision increased the likelihood of having health insurance by 9.8 percentage points more after 2010. Finally, we use college-level data from the College Scorecard to estimate the impact of the provision on college graduates' financial outcomes in a fixed effects model identified by changes in the age distributions of students across cohorts which changes the average eligibility rates over time. We find that at the college level, a higher percentage of people satisfying the age criterion of the provision in the cohort led to a decrease in student loan default rate and an increase in student loan repayment rate after 2010.
Bibliography Citation
Han, Shijie. Essays on Health Economics. Ph.D. Dissertation, Department of Economics, The Ohio State University, 2017..