This paper is connected to a few strands of literature. It is related to a large empirical literature
estimating the impacts of health insurance. Recently, much progress has been made using specic
policy reforms to evaluate the eects of health insurance on health outcomes and health-related
expenditures.4 Fewer studies have focused on the impact of health insurance on non-health out-
comes.5 Among those do, few papers have examined the role of health insurance in mitigating
adverse outcomes and altering the household choices associated with health shocks.