- The rate of health insurance coverage jumps by about 6% at the income threshold for ACA Marketplace subsidies.
- Among households targeted by the policy, the rate of home payment delinquency falls by 25% at the eligibility threshold.
- Out-of-pocket medical spending declines by $1,054 per eligible household at the 90th percentile of the spending distribution.
- The social benefits from fewer delinquencies might amount to $441–$683 per subsidy eligible person.
Project: Household Financial Survey (HFS)
Gallagher, E., Gopalan, R., & Grinstein-Weiss, M. (2018). The Effect of Health Insurance on Home Payment Delinquency: Evidence from ACA Marketplace Subsidies. Journal of Public Economics. 172(1), 67-83.