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Young Adultsa?? Selection and Use of Dependent Coverage under the Affordable Care Act

机译：年轻人？？根据《平价医疗法案》选择和使用家属保险

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The dependent coverage expansion under the Affordable Care Act (ACA) required health insurance policies that cover dependents to offer coverage for policyholder’ children up to age 26. It has been well documented that the provision successfully reduced the uninsured rate among the young adults. However, less is known about whether dependent coverage crowded out other insurance types and whether young adults used dependent coverage as a fill-in-the-gap short-term option. Using data from the Survey of Income and Program Participation 2008 Panel, the paper assesses dependent coverage uptake and duration before and after the ACA provision among young adults aged 19–26 versus those aged 27–30. Regressions for additional coverage outcomes were also performed to estimate the crowd-out rate. It was found that the ACA provision had a significant positive impact on dependent coverage uptake and duration. The estimated crowd-out rate ranges from 27 to 42%, depending on the definition. Most dependent coverage enrollees used the coverage for 1 or 2 years. Differences in dependent coverage uptake and duration remained among racial groups. Less healthy individuals were also less likely to make use of dependent coverage.
机译：根据《负担得起的医疗法案》（ACA）扩大受抚养人的覆盖范围，要求健康保险保单涵盖受抚养人，以为投保人的26岁以下子女提供覆盖。但是，关于受抚养人保险是否挤占其他保险类型以及年轻人是否使用受抚养人保险作为填补短期缺口的选择，人们所知甚少。本文使用《 2008年收入和计划参与度调查》小组的数据，评估了19至26岁的年轻人与27至30岁的年轻人之间，在ACA拨付之前和之后的依赖覆盖率和持续时间。还对其他覆盖结果进行了回归，以估计挤出率。结果发现，ACA规定对依存保险的覆盖率和持续时间具有重大的积极影响。根据定义，估计的挤出率在27％到42％之间。大多数依赖保险的参保人使用保险的时间为1或2年。种族群体之间依存保险的摄取和持续时间的差异仍然存在。健康状况较差的人也不太可能利用依赖保险。

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