Health Insurance, Treatment and Outcomes: Using Auto Accidents as Health Shocks

61 Pages Posted: 1 Mar 2005 Last revised: 1 May 2021

See all articles by Joseph J. Doyle

Joseph J. Doyle

Massachusetts Institute of Technology (MIT) - Economics, Finance, Accounting (EFA); National Bureau of Economic Research (NBER)

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Date Written: February 2005

Abstract

Previous studies find that the uninsured receive less health care than the insured, yet differences in health outcomes have rarely been studied. In addition, selection bias may partly explain the difference in care received. This paper focuses on an unexpected health shock -- severe automobile accidents where victims have little choice but to visit a hospital. Another innovation is the use of a comparison group that is similar to the uninsured: those who have private health insurance but do not have automobile insurance. The medically uninsured are found to receive twenty percent less care and have a substantially higher mortality rate.

Suggested Citation

Doyle, Joseph John, Health Insurance, Treatment and Outcomes: Using Auto Accidents as Health Shocks (February 2005). NBER Working Paper No. w11099, Available at SSRN: https://ssrn.com/abstract=663481

Joseph John Doyle (Contact Author)

Massachusetts Institute of Technology (MIT) - Economics, Finance, Accounting (EFA) ( email )

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