Estimating the Effects of Health Insurance on the Health and Financial Security of Working Adults


Prior research has found that the uninsured encounter major obstacles in getting health care and live with onerous financial burdens. Few studies, however, have attempted to demonstrate the direct benefits to health and financial security that are possible through insurance coverage. A randomized trial being conducted by the California HealthCare Foundation now offers the unique opportunity to track changes in previously uninsured employees' health, use of health care services, and financial situation following enrollment in a health plan. By comparing the health care experiences of newly insured employees one and two years after enrollment with a sample of employees who remained uninsured, this project will be able to produce quantitative evidence of the tangible difference health coverage can make in people's lives. The first phase of this project will collect baseline information for the study samples of newly insured and uninsured employees and recruit participants for follow-up surveys. If this phase is successful, a second phase would evaluate the impact of insurance coverage over a two-year period.

Grant Details

Grantee Organization:
University of California
Principal Investigator:
Richard Kronick, Ph.D.
Award Amount:
Approval Date:
July 10, 2001

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