BANKRUPTCY, MEDICAL INSURANCE, AND A LAW WITH UNINTENDED CONSEQUENCES | Zendy

Koch Thomas G. | Zendy

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BANKRUPTCY, MEDICAL INSURANCE, AND A LAW WITH UNINTENDED CONSEQUENCES

Author(s) -

Koch Thomas G.

Publication year - 2014

Publication title -

health economics

Language(s) - English

Resource type - Journals

SCImago Journal Rank - 1.55

H-Index - 109

eISSN - 1099-1050

pISSN - 1057-9230

DOI - 10.1002/hec.2985

Subject(s) - bankruptcy , actuarial science , business , medical insurance , casualty insurance , population , insurance policy , unintended consequences , general insurance , economics , law , finance , medicine , political science , environmental health

Congress passed the Emergency Medical Treatment and Active Labor Act (EMTALA) in 1986, guaranteeing a standard of medical care to anyone who entered an emergency room. This guarantee made default a more reliable substitute for medical insurance. I construct a tractable structural model of the medical insurance market and find that repealing EMTALA would increase the fraction of the population with insurance while decreasing its price. Copyright © 2013 John Wiley & Sons, Ltd.

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