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Offers or Take-up: Explaining Minorities’ Lower Health Insurance Coverage

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Author Info

  • Irena Dushi

    (Department of Economics, Hunter College, City University of New York)

  • Marjorie Honig

    ()
    (Department of Economics, Hunter College and The Graduate Center, City University of New York)

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    Abstract

    There is considerable evidence that minorities are less likely than whites to be covered under employment-based health insurance. In 2001, rates of Hispanic full-time workers were 21 and 15 percentage points lower than those of non-Hispanic white men and women. For policy purposes, understanding whether these disparities are generated by differences in the likelihood of being in a job offering coverage or in decisions regarding take-up of offered coverage is critical. We find significant effects of race and ethnicity on offers but not on take-up, controlling for job and demographic characteristics including nativity. Magnitudes of these effects differ by gender and household composition.

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    File URL: http://econ.hunter.cuny.edu/wp-content/uploads/sites/6/RePEc/papers/HunterEconWP412.pdf
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    Bibliographic Info

    Paper provided by Hunter College Department of Economics in its series Economics Working Paper Archive at Hunter College with number 412.

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    Length: 33
    Date of creation: 2005
    Date of revision:
    Handle: RePEc:htr:hcecon:412

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    1. Henry S. Farber & Helen Levy, 1998. "Recent Trends in Employer-Sponsored Health Insurance Coverage: Are Bad Jobs Getting Worse?," Working Papers 781, Princeton University, Department of Economics, Industrial Relations Section..
    2. Oaxaca, Ronald, 1973. "Male-Female Wage Differentials in Urban Labor Markets," International Economic Review, Department of Economics, University of Pennsylvania and Osaka University Institute of Social and Economic Research Association, vol. 14(3), pages 693-709, October.
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    Cited by:
    1. Helen Levy, 2006. "Health Insurance and the Wage Gap," NBER Working Papers 11975, National Bureau of Economic Research, Inc.

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