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How Does a Health Insurance Program Covering 500 Million Poor Impact Credit Market Outcomes?

Author

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  • Prasanna Tantri

    (Centre for Analytical Finance, Indian School of Business, Gachibowli, Hyderabad 500032, India)

Abstract

I study the impact of the world’s largest publicly funded health insurance plan for the poor on credit markets. India launched a health insurance plan that covered 500 million beneficiaries. The fact that opposition-ruled states did not implement the program for political reasons allows me to compare border districts of implemented and nonimplemented states within a difference-in-differences framework. I find that loan delinquency reduced significantly in implemented districts. Increased liquidity for loan repayment seems to be the mechanism at work. I rule out the federal-level ruling party’s influence as an explanation.

Suggested Citation

  • Prasanna Tantri, 2025. "How Does a Health Insurance Program Covering 500 Million Poor Impact Credit Market Outcomes?," Management Science, INFORMS, vol. 71(6), pages 4533-4551, June.
    • Handle: RePEc:inm:ormnsc:v:71:y:2025:i:6:p:4533-4551
    DOI: 10.1287/mnsc.2023.01039
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