Sohn Heeju
Graduate Group of Demography, Department of Sociology, University of Pennsylvania, 3718 Locust Walk, PSC, Philadelphia, PA 19104,
J Marriage Fam. 2015 Aug;77(4):982-995. doi: 10.1111/jomf.12195. Epub 2015 Mar 24.
Most American adults under 65 obtain health insurance through their employers or their spouses' employers. The absence of a universal healthcare system in the United States puts Americans at considerable risk for losing their coverage when transitioning out of jobs or marriages. Scholars have found evidence of reduced job mobility among individuals who are dependent on their employers for healthcare coverage. This paper finds similar relationships between insurance and divorce. I apply the hazard model to married individuals in the longitudinal Survey of Income Program Participation (N=17,388) and find lower divorce rates among people who are insured through their partners' plans without alternative sources of their own. Furthermore, I find gender differences in the relationship between healthcare coverage and divorce rates: insurance dependent women have lower rates of divorce than men in similar situations. These findings draw attention to the importance of considering family processes when debating and evaluating health policies.
大多数65岁以下的美国成年人通过自己或配偶的雇主获得医疗保险。美国缺乏全民医疗体系，这使得美国人在离职或离婚时面临失去医保覆盖的巨大风险。学者们发现，那些依靠雇主提供医保覆盖的人，其工作流动性有所降低。本文发现保险与离婚之间也存在类似关系。我将风险模型应用于收入项目参与纵向调查中的已婚人士（N = 17388），发现通过伴侣医保计划参保且没有自己的其他医保来源的人群离婚率较低。此外，我还发现医保覆盖与离婚率之间的关系存在性别差异：在类似情况下，依赖保险的女性离婚率低于男性。这些发现提醒人们，在讨论和评估健康政策时，要重视家庭因素的重要性。
