Family formation and the demand for health insurance
利用澳大利亚年轻女性的面板数据，研究家庭形成如何影响健康保险需求，发现女性为备孕购买保险，但完成生育后退出，且孩子对保险需求有较大负面影响。
We study how demand for health insurance responds to family formation using a unique panel of young Australian women. Our data allow us to simultaneously control for the influence of state dependence and unobserved heterogeneity and detailed information on children and child aspirations. We find evidence that women purchase insurance in preparation for pregnancy but then transition out of insurance once they have finished family building. Children have a large, negative impact on demand for insurance, although this effect is smaller for those on higher incomes. We also find that state dependence has a large impact on insurance demand. Our results are robust to a variety of alternative modelling strategies.