各位老师，同学:
你们好。本学期的第二次学术午餐会将于2009年11月27日（星期五）中午举行，欢迎大家到时参加（详细信息请见邮件后面）。午餐会将会为参加者提供便餐，希望在会上就餐的老师或同学请提前向王莎莎女士预定（，010－62754237）。为了避免浪费，餐食将严格按照事先的预定提供。谢谢。
陈东
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主讲人：秦雪征 (北京大学经济学院)
时间：2009年11月27日（星期五），12:00-13:30
地点：经济学院大楼219教室
题目：the health care safety net and health insurance: a theoretical and empirical investigation
工作语言：中文/英文
文章摘要（全文请见附件）
the large and growing uninsured population poses an alarming threat to the u.s. health care system. this paper explores one of the less cited causes of the lack of health insurance: the health care safety net. we showed that not purchasing insurance can be a rational decision reflecting the various alternatives to the option, and the safety net policy, despite its good intention, inevitably creates an insurance alternative that crowds out private coverage in the market setting. we extended ehrlich and becker (1972) to incorporate the safety net alternative in the model of demand for health insurance. we showed that the existence of such free remedial resources produces a direct disincentive to the purchase of market insurance of health, a pattern we called the “safety net moral hazard”. our calibrated simulation indicates about 15.75% of the current uninsured population, or 7.2 million people in u.s., can attribute their lack of health insurance to the existing safety net system. our empirical model verifies the crowding-out effect with significant and robust evidence. on average, the presence of local safety net resources can reduce the probability of individual insurance purchase by as much as 3.55%.
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