Health Insurance, Treatment and Outcomes: Using Auto Accidents as Health Shocks
利用严重车祸这一意外健康冲击，对比有保险和无保险者的医疗使用和死亡率，发现无保险者接受的医疗护理少20%，死亡率显著更高。
Previous studies find that the uninsured receive less health care than the insured, yet differences in health outcomes have rarely been studied. In addition, selection bias may partly explain the difference in care received. This paper focuses on an unexpected health shock-severe automobile accidents where victims have little choice but to visit a hospital. Another innovation is the use of a comparison group that is similar to the uninsured: those who have private health insurance but do not have automobile insurance. The medically uninsured are found to receive 20% less care and have a substantially higher mortality rate. © 2005 President and Fellows of Harvard College and the Massachusetts Institute of Technology.