The Effect of Health Insurance on Home Payment Delinquency: Evidence from ACA Marketplace Subsidies

Key Findings

• 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.

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Project: Household Financial Survey (HFS)