Offers or Take-up: Explaining Minorities’ Lower Health Insurance Coverage

Irena Dushi and Marjorie Honig ()
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Irena Dushi: Department of Economics, Hunter College, City University of New York
Marjorie Honig: Department of Economics, Hunter College and The Graduate Center, City University of New York

No 412, Economics Working Paper Archive at Hunter College from Hunter College Department of Economics

Abstract: There is considerable evidence that minorities are less likely than whites to be covered under employment-based health insurance. In 2001, rates of Hispanic full-time workers were 21 and 15 percentage points lower than those of non-Hispanic white men and women. For policy purposes, understanding whether these disparities are generated by differences in the likelihood of being in a job offering coverage or in decisions regarding take-up of offered coverage is critical. We find significant effects of race and ethnicity on offers but not on take-up, controlling for job and demographic characteristics including nativity. Magnitudes of these effects differ by gender and household composition.

JEL-codes: I10 J15 J32 (search for similar items in EconPapers)
Pages: 33
Date: 2005
New Economics Papers: this item is included in nep-hea, nep-ias and nep-lab
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Citations: View citations in EconPapers (4)

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Persistent link: https://EconPapers.repec.org/RePEc:htr:hcecon:412

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