HEALTH, HEALTH INSURANCE, AND INEQUALITY
研究发现健康保险存在“健康溢价”，即参保者更易保持或恢复健康。量化分析表明，全民医保可缩小健康与预期寿命差距，但对收入分配的影响则混合不一。
Abstract This article identifies a “health premium” of insurance coverage: insured individuals are more likely to maintain good health or recover from poor health. We introduce this feature into a prototypical macrohealth model and estimate the baseline economy by matching the observed joint distribution of health insurance, health, and income over the life cycle. Quantitative analysis reveals that an individual's insurance status has a substantial and persistent impact on health. Providing universal health coverage would narrow health and life expectancy gaps, with a mixed effect on the income distribution in the absence of any additional redistribution of income or wealth.