The Affordable Care Act,Dependent Health Insurance Coverage,and Young Adults' Health

This study examines the consequences of the Patient Protection and Affordable Care Act (ACA) dependent coverage provision for the health of U.S. young adults aged\–25. Using data from the Current Population Survey—March Supplement for the years 2007–2012 and ordered logistic regression analyses, we examine self‐rated health and its association with dependent health insurance coverage for 19‐ to 25‐year‐olds and a comparison group of 28‐ to 34‐year‐olds before and after implementation of the ACA. Compared to 28‐ to 34‐year‐olds, results indicate the post‐ACA period (2010–2011) is associated with increased access to dependent health insurance coverage and improved health for young adults aged 19–25 relative to the period before implementation (2008–2009). More than half of the difference in health improvement across age groups can be attributed to changes in dependent coverage. These results are the first to demonstrate a positive health benefit resulting from the implementation of the ACA.     

ACCOUNTING FOR THE GENDER GAP IN COLLEGE ATTAINMENT

One striking phenomenon in the U.S. labor market is the reversal of the gender gap in college attainment. Females have outnumbered males in college attainment since 1987. We develop a discrete choice model of college entry decisions to study the driving forces of changes in college attainment by gender. We find that the increase in relative earnings between college‐educated and high‐school‐educated individuals and the increasing parental education have important effects on the increase in college attainment for both genders, but cannot explain the reversal of the gender gap. Rising divorce probabilities increase returns to college for females and decrease those for males, and thus are crucial in explaining the reversal of the gender gap in college attainment. (JEL J24, J16, I20)     

Modeling the Impact of the Affordable Care Act and the Individual Mandate on Californians

The Patient Protection and Affordable Care Act (ACA) was designed to provide health insurance to uninsured or underinsured individuals. We used the California Simulation of Insurance Markets (CalSIM) model to predict the experience of consumers in California, who will be faced with new insurance options through Medicaid, employer-sponsored insurance, and the individual market in 2014 and beyond. We explored the response and characteristics of Californians who will and will not secure insurance coverage, with and without the “individual mandate” or minimum coverage requirement (MCR). We found 1.8 million Californians (38 %) of the 4.7 million eligible uninsured will secure coverage by 2019 with the MCR, while only 839,000 (18 % of the eligible uninsured) would obtain coverage without it.     

Rural Appalachian High School Students’ College‐Going and STEMM Perceptions

The authors examined perceptions of key social cognitive career theory (Lent, Brown, & Hackett, 1994) variables related to college‐going and science, technology, engineering, math, and medical (STEMM) careers in 10th and 11th graders (N = 892) attending 3 rural Appalachian high schools. The authors examined differences in perceptions related to gender, prospective 1st‐generation college student status, and the presence or absence of aspirations to pursue a STEMM career. Young women and young men scored similarly on all but 1 dependent variable, college‐going self‐efficacy (young women scored higher). Students who had STEMM career aspirations had higher scores on every measure than those who did not. Results suggest examining a 3rd prospective 1st‐generation college student status group—students who are unsure of their parents’ education level—as a distinct group in future research. By examining the college‐going and STEMM attitudes of rural Appalachian high school students, this study advances the literature and informs practitioners on reducing educational and vocational inequalities in this region.     

THE EFFECT OF INSTITUTIONAL EXPENDITURES ON EMPLOYMENT OUTCOMES AND EARNINGS

In recent decades, public attention on colleges has risen in response to rising college expenditures and costs. This study uses the Education Longitudinal Study of 2002 to investigate how spending impacts salaries and employment outcomes, controlling for selection. Our findings indicate that spending on instruction increases salaries, the probability of full‐time employment, and job match, particularly for more disadvantaged students, while there are smaller benefits of spending on student services for less disadvantaged students. Spending on research has large positive impacts on salary and the probability of full‐time employment, especially for disadvantaged students. (JEL I20, J24)     

DYNAMIC TREATMENT EFFECTS OF TEACHER'S AIDES IN AN EXPERIMENT WITH MULTIPLE RANDOMIZATIONS

Using data from a large‐scale two‐stage experiment wherein students and teachers were randomized at both kindergarten entry and first grade to be sorted into classes either with or without full‐time teacher's aides, I estimate an econometric model that is uniquely suited to take advantage of this design to determine their effect on academic achievement. The identification strategy produces fully nonparametric dynamic average treatment effects for every treatment path. I find that the use of full‐time teacher's aides increases student achievement, but the benefits appear to accrue mostly to those of higher socioeconomic status and to White students. A cost‐benefit analysis shows that full‐time teacher's aides may be a competitive alternative to class size reductions in terms of net social benefits. (JEL I21, I28)     

Life‐Course Pathways and the Psychosocial Adjustment of Young Adult Women

We examined 7 life‐course pathways from adolescence through the early adult years and their links with general health and psychosocial adjustment among 2,290 women from the National Longitudinal Study of Adolescent Health. Young women who followed a pathway involving college attendance to full‐time employment with no family‐formation transitions were functioning comparatively well with respect to general health, depression, and self‐esteem. In contrast, young women who followed pathways involving early motherhood were functioning less well. Fixed‐effects models suggested that the differences were due to selection factors. Young women who followed the pathway of college to full‐time employment exhibited an increase in heavy drinking, whereas women who became married mothers exhibited a decrease in the same. Involvement in illegal behavior declined for all groups but least so for women who attended college.     

The impact of student loans on college access,completion, and returns

Nearly half of all first‐time undergraduates take a loan to pay for college, and many students will borrow tens of thousands of dollars by the time they leave. Low‐income students and students of color borrow student loans more often and in larger amounts, yet attend less selective institutions, are more likely to drop out with debt. Among students who complete college, those with larger amounts of debt may struggle to pay back their loans or to invest in a house, family, or future education. Researchers are just beginning to untangle how the availability and use of student loans affects college access, educational attainment, and life after college, yet this topic has important implications for economic inequality and social stratification. In this article, we summarize what is known and what remains to be investigated, about the impact of student loan availability and use on college enrollment, degree completion, and postcollege outcomes.     

Trapped in the Working Class? Prospects for the Intergenerational (Im)Mobility of Latino Youth

Opportunities for upward mobility have been declining in the United States in recent decades. Within this context, I examine the mobility trajectories of a contemporary cohort of 1.5‐, second‐, and third‐plus‐generation Latino youth. Drawing on survey data from California that accounts for the precarious legal status of many 1.5 generation immigrants, I find that Latino youths' patterns of postsecondary enrollment and employment do not differ by generation since migration. Additionally, I do not find evidence of racial/ethnic barriers to Latino youths' enrollment in less selective colleges and participation in the labor market. Yet, given the low socioeconomic origins of many Latino youth and their correspondingly low 4‐year college enrollment rates, only a small proportion will likely enjoy upward mobility through jobs that require a bachelor's degree. Overall, the cohort of Latino youth coming of age during the Great Recession is poised to experience working‐class stagnation. This group's future access to economic and political positions of power will likely be limited by their low enrollment rates in 4‐year colleges in general, but in selective postsecondary institutions in particular.     

The Price of Opportunity: Race,Student Loan Debt,and College Achievement

This paper examines racial differences in student loan debt and concurrently assesses the potential payoffs and countervailing risks inherent in reliance on loans in a cohort of black and white first‐year college students. Using the 1996–2001 Beginning Postsecondary Student study we find that the use of loans results in greater enrollment persistence and higher odds of college completion, especially for black students. However, black students acquire larger amounts of student loan debt and face a higher risk of default than white students. This is in part due to associated racial differences in family socioeconomic status and type of institution attended. We suggest these findings illuminate the dual‐sided nature of college loans that makes them an imperfect, but overall positive, tool for reducing educational inequality. On the one hand, student loans reduce educational inequality that otherwise results from disadvantaged students' struggles to pay for college and complete college in a timely fashion. At the same time, the degree to which loans reduce racial inequality is diminished by black students' higher loan amounts, the large number of black students who borrow but do not finish college, and the large racial difference in the odds of defaulting on a loan.     

DIFFERENTIAL DEPOSIT GUARANTEES AND THE EFFECT OF MONETARY POLICY ON BANK LENDING

This paper utilizes differences in de jure deposit insurance coverage across banks and changes in coverage over time to identify a bank‐lending channel in Poland. Banks with partial guarantees have a stronger loan response to monetary policy than banks with full guarantees. Furthermore, the weak response of the fully guaranteed banks is attributed to their ability to raise low‐reserve, uninsured time deposits relative to the partially covered banks. When differential coverage is eliminated, there is no disparity in the loan response between the two groups. This lending channel has implications for credit control and financial system development in emerging markets. (JEL E52, G21, G28)     

DO SUPPLY‐SIDE FORCES EXPLAIN GEOGRAPHIC VARIATION IN HEALTH CARE USE?

Regional variation in health care utilization has been well‐documented, yet uncertainty persists about whether this variation is primarily the result of supply‐side or demand‐side forces. We provide new evidence on this issue by examining changes in health care use for the near‐elderly as they transition from being uninsured into Medicare. Results support a causal, supply‐side explanation of regional variation. Estimates indicate that gaining Medicare coverage in above‐median spending regions increases the probability of at least one hospital visit by 40% and the probability of having more than five doctor visits by 26% relative to similar individuals in below‐median spending regions. (JEL D43, H42, H51, I1, I11, I13)     

CLASSROOM DIVERSITY AND ACADEMIC OUTCOMES

This paper tests how the race and ethnicity of one's college classmates affect academic performance. Incoming students at a Catholic college are assigned to their first semester, team‐taught, required course. Statistical tests support that this assignment is uncorrelated with a variety of student characteristics. Controlling for team fixed effects and student characteristics, I find evidence of racial peer effects that differ for white students and students of color. White students earn higher grades in classes with more students of color. Students of color with more nonwhite classmates earn lower grades; these effects occur exclusively among those with lower SAT scores. (JEL I21, I28)     

Doing It All? Mothers' College Enrollment,Time Use,and Affective Well‐being

The rising share of women in college with dependent children and growing emphasis on two‐generation policies for reducing socioeconomic inequality have galvanized research aimed at determining whether mothers' increased education can improve their and their children's well‐being. Yet as part of this effort, scholars have overlooked signs that mothers' college enrollment may not be unequivocally good for families. This research brief aims to bring greater attention to this side of the story. The authors analyze time diary (2003–2015) and well‐being data (2010, 2011, 2013) from the American Time Use Survey. The authors find that mothers in college experience a time squeeze that limits their time in caregiving, self‐care, and work, on one hand, and school‐related activities, on the other. This time squeeze may explain why mothers enrolled in college (compared with mothers who were not in school) also reported less happiness and more fatigue during activities with their children.     

STEREOTYPE THREAT AND THE STUDENT‐ATHLETE

Achievement gaps may reflect the cognitive impairment thought to occur in evaluative settings (e.g., classrooms) where a stereotyped identity is salient (i.e., stereotype threat). This study presents an economic model of stereotype threat that reconciles prior evidence on how student effort and performance are influenced by this social‐identity phenomenon. This study also presents empirical evidence from a framed field experiment in which students at a selective college were randomly assigned to a treatment that primed their awareness of a negatively stereotyped identity (i.e., student‐athlete). This social‐identity manipulation reduced the test‐score performance of athletes relative to non‐athletes by 12%. These negative performance effects were concentrated among male student‐athletes who also responded to the social‐identity manipulation by attempting to answer more questions. (JEL I2, C9, D0)     

Comparisons of Gambling and Alcohol Use Among College Students and Noncollege Young People in the United States

Abstract

Objective: Gambling and alcohol use were compared for college and noncollege young adults in the US population. Participants: Participants were 1,000 respondents aged 18 to 21. Methods: Data were analyzed from a representative household sample of US young people aged 14 to 21 years old. Telephone interviews were conducted between August 2005 and January 2007. Results: After taking into account gender, age, race/ethnicity, and socioeconomic status, college student status did not predict gambling, frequent gambling, or problem gambling. In contrast, being a college student was associated with higher levels of alcohol use and problem drinking. Being male was the strongest predictor of both problem gambling and problem drinking. Blacks were less likely than whites to drink heavily; yet they were more likely than whites to gamble heavily. Conclusion: Young males should be targeted for prevention and intervention efforts for both problem gambling and problem drinking regardless of college student status.     

FOOD AWAY FROM HOME AND CALORIC INTAKE: THE ROLE OF RESTAURANT MENU LABELING LAWS

We analyze whether local and state mandates to post calorie information on restaurant menus change the effect of consuming food prepared away from home (FAFH) on total caloric intake. Information on area demographics and the local food environment were used to construct a comparison group. For identification, we use differences in two days of dietary intake and timing variations in policy implementation. We find the effect of FAFH meals on total daily intake is reduced by 21 calories among adults and by 34 calories among young children for each year the mandate is in place. (JEL I12, I18, H75)     

Student health insurance programs at collegiate institutions: a national survey

Increasing health care costs are forcing collegiate institutions to find more economical ways to meet the health care needs of students. Student health insurance programs are a major component in meeting these needs. This national survey reports the extent to which student health insurance programs are offered or administered by 2-year and 4-year colleges, universities, and professional and graduate schools in both the public and private sectors. The study finds that most programs are optional, open to all registered students regardless of age or credit load, with dependent coverage options usually available. Reported enrollment levels suggest that less than 20% of the students participate at a majority of the institutions surveyed. Concern about group health insurance at the collegiate level reflects national concern over the large number of Americans who currently lack health coverage.     

PARENTAL EARNINGS AND CHILDREN'S WELL‐BEING: AN ANALYSIS OF THE SURVEY OF INCOME AND PROGRAM PARTICIPATION MATCHED TO SOCIAL SECURITY ADMINISTRATION EARNINGS DATA

We estimate the association between parental earnings and child well‐being using data from the Survey of Income and Program Participation matched to Social Security Administration earnings records. We use very large samples on a wide variety of measures of child well‐being that are also linked to long histories of parent earnings from administrative records. Consistent with previous studies, we find that the use of longer time averages of parent earnings leads to substantially higher estimated associations compared to using only a single year of parent earnings. Using 7‐year time averages of parent earnings, we show, for example, that a doubling of parent earnings is associated with a reduced probability of a teenager reporting being in poor health by close to 50% and a decrease in the likelihood of a child repeating a grade by 39%. We also examine how the associations vary by the timing of when parental earnings are received during childhood. We find suggestive evidence that parental earnings received during the child's school‐going years (ages 6 to 17) are more strongly associated with college enrollment and children's future earnings as adults than parent earnings received earlier or later in the child's life. (JEL J13, I1, I2)