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Member Research & Reports

Member Research & Reports

WashU: Home Delinquency Rates Lower among Those Insured Under the ACA

Families who get health insurance through the Affordable Care Act (ACA) are significantly more likely to make their rent and mortgage payments than are those who remain uninsured, suggests a new study from the Brown School and Olin Business School at Washington University in St. Louis.


[Photo: Dr. Emily Gallagher]

The finding is based on an analysis of administrative tax data from roughly 5,000 low- and moderate-income tax filers living in one of the 18 states that did not expand Medicaid during the 2015 and 2016 tax seasons.

The study was published through the Brown School’s Center for Social Development.

“Consistent with research on Medicaid expansions, our data signal that medical bills from an unexpected health event consume fewer of the resources of people with coverage,” said lead author Dr. Emily Gallagher, postdoctoral research associate at the Center for Social Development and at Olin.

“In turn, a higher level of liquid assets is associated with the lower rate at which households default on housing payments,” she added.

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