Health Insurance Tax Credits and Health Insurance Coverage of Low-Earning Single Mothers

The Omnibus Budget Reconciliation Act of 1990 introduced a refundable tax credit for low-income working families who purchased health insurance coverage for their children. This health insurance tax credit (HITC) existed during tax years 1991, 1992, and 1993, and was then rescinded. We use Current Population Survey data and a difference-in-differences approach to estimate the HITC’s effect on private health insurance coverage of low-earning single mothers. The findings suggest that during 1991–1993, the health insurance coverage of single mothers was about 6 percentage points higher than it would have been in the absence of the HITC.Retirement; Health insurance; Low-wage workers; Tax credits and subsidies

Cosmological backreaction of a quantized massless scalar field

We consider the backreaction problem of a quantized minimally coupled massless scalar field in cosmology. The adiabatically regularized stress-energy tensor in a general Friedmann-Robertson-Walker background is approximately evaluated by using the fact that subhorizon modes evolve adiabatically and superhorizon modes are frozen. The vacuum energy density is verified to obey a new first order differential equation depending on a dimensionless parameter of order unity, which calibrates subhorizon/superhorizon division. We check the validity of the approximation by calculating the corresponding vacuum energy densities in fixed backgrounds, which are shown to agree with the known results in de Sitter space and space-times undergoing power law expansions. We then apply our findings to slow-roll inflationary models. Although backreaction effects are found to be negligible during the near exponential expansion, the vacuum energy density generated during this period might be important at later stages since it decreases slower than radiation or dust.Comment: 20 pages, 2 figures, v2: comments and a reference added, to appear in JCA

How to Help the Poor to Save a Bit: Evidence from a Field Experiment in Kenya

Worldwide, the majority of workers hold jobs in the informal sector that do not provide access to social insurance programs. We partnered with a savings product provider in Kenya to test the extent to which behavioral interventions and financial incentives can increase the saving rate through a voluntary pension program for informal workers with low and irregular income. Our experiment lasted for six months and included a total of twelve conditions. The control condition received weekly reminders and balance reporting via text messages. The treatment conditions received in addition one of the following interventions: (1) reminder text messages framed as if they came from the participant's kid (2) a golden colored coin with numbers for each week of the trial, on which participants were asked to keep track of their weekly deposits (3) a match of weekly savings: The match was either 10% or 20% up to a certain amount per week. The match was either deposited at the end of each week or the highest possible match was deposited at the start of each week and was adjusted at the end. Among these interventions, by far the most effective was the coin: Those in the coin condition saved on average the highest amount and more than twice as those in the control condition. We hypothesize that being a tangible track-keeping object; the coin made subjects remember to save more often. Our results support the line of literature suggesting that saving decisions involve psychological aspects and that policy makers and product designers should take these influences into account

Venous infarction mimicking a neoplasm in spontaneous intracranial hypotension: an unusual cause of Parinaud's syndrome

We present a case of longstanding, undiagnosed spontaneous intracranial hypotension (SIH) with an acute presentation of Parinaud's syndrome, in whom serial imaging demonstrated development of a midbrain mass. The patient was ultimately diagnosed with tumefactive venous infarction secondary to SIH. However, this patient underwent a brainstem biopsy, which in retrospect may have been avoidable. This case demonstrates the imaging features of tumefactive venous infarction in SIH and highlights the risk of misinterpretation as a neoplasm with potentially catastrophic consequences