The Self-Employed are Less Likely to Have Health Insurance than Wage Earners. So What?
Craig William Perry
affiliation not provided to SSRN
Harvey S. Rosen
Princeton University - Department of Economics; National Bureau of Economic Research (NBER); CESifo (Center for Economic Studies and Ifo Institute for Economic Research)
University of Illinois at Urbana-Champaign's Academy for Entrepreneurial Leadership Historical Research Reference in Entrepreneurship
The disparities in American healthcare coveragecontinue to spark many debates.Among those without insurance, theself-employed have been objects of concern since they have lower rates ofhealthcare coverage than their wage-earning counterparts.This studyexamines whether the lack of healthcare coverage among the self-employednegatively impacts their overall health. A review of past literature reveals many corresponding issues, including thedemand for health insurance and the connections between health insurance andhealth outcomes.To examine the impact of the lack of healthcare onoverall health, data were utilized from the Household Component of the 1996Medical Expenditure Panel Survey (MEPS).Of the individuals sampled(n=8,986), 1,088 were self-employed.A lengthy preliminary analysis isprovided to discuss the variables of the study.The multivariate analysesfocused on several factors, including insurance coverage, health status,income, hours worked, utilization, and children. The findings indicate that the health of workers and of their children isnot affected by a lack of health insurance.A number of possibleexplanations for these findings are presented, including the influence ofgenetics and environment on individual health. (AKP)
Keywords: Health care, Medical Expenditure Panel Survey, Health, Healthcare industry, Self-employment, Wage workers, Income, Health insuranceAccepted Paper Series
Date posted: November 4, 2009
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