BANKRUPTCY, MEDICAL INSURANCE, AND A LAW WITH UNINTENDED CONSEQUENCES
研究了1986年《紧急医疗与活跃劳动法案》如何使破产成为医疗保险的替代品，发现废除该法案将提高保险覆盖率并降低价格。
Congress passed the Emergency Medical Treatment and Active Labor Act (EMTALA) in 1986, guaranteeing a standard of medical care to anyone who entered an emergency room. This guarantee made default a more reliable substitute for medical insurance. I construct a tractable structural model of the medical insurance market and find that repealing EMTALA would increase the fraction of the population with insurance while decreasing its price.