Is Employer-Based Health Insurance a Barrier to Entrepreneurship?

The focus on employer-provided health insurance in the United States may restrict business creation. We address the limited research on the topic of “entrepreneurship lock” by using recent panel data from matched Current Population Surveys. We use difference-in-difference models to estimate the interaction between having a spouse with employer-based health insurance and potential demand for health care. We find evidence of a larger negative effect of health insurance demand on the entrepreneurship probability for those without spousal coverage than for those with spousal coverage. We also take a new approach in the literature to examine the question of whether employer-based health insurance discourages entrepreneurship by exploiting the discontinuity created at age 65 through the qualification for Medicare. Using a novel procedure of identifying age in months from matched monthly CPS data, we compare the probability of business ownership among male workers in the months just before turning age 65 and in the months just after turning age 65. We find that business ownership rates increase from just under age 65 to just over age 65, whereas we find no change in business ownership rates from just before to just after for other ages 55-75. Our estimates provide some evidence that "entrepreneurship lock" exists, which raises concerns that the bundling of health insurance and employment may create an inefficient allocation of which or when workers start businesses.Self-employment, entrepreneurship, health insurance

Is Employer-Based Health Insurance a Barrier to Entrepreneurship?

The focus on employer-provided health insurance in the United States may restrict business creation. We address the limited research on the topic of “entrepreneurship lock” by using recent panel data from matched Current Population Surveys. We use difference-indifference models to estimate the interaction between having a spouse with employer-based health insurance and potential demand for health care. We find evidence of a larger negative effect of health insurance demand on business creation for those without spousal coverage than for those with spousal coverage. We also take a new approach in the literature to examine the question of whether employer-based health insurance discourages business creation by exploiting the discontinuity created at age 65 through the qualification for Medicare. Using a novel procedure of identifying age in months from matched monthly CPS data, we compare the probability of business ownership among male workers in the months just before turning age 65 and in the months just after turning age 65. We find that business ownership rates increase from just under age 65 to just over age 65, whereas we find no change in business ownership rates from just before to just after for other ages 55-75. We also do not find evidence from the previous literature and additional estimates that other confounding factors such as retirement, partial retirement, social security and pension eligibility are responsible for the increase in business ownership in the month individuals turn 65. Our estimates provide some evidence that "entrepreneurship lock" exists, which raises concerns that the bundling of health insurance and employment may create an inefficient level of business creation.

Is Employer-Based Health Insurance a Barrier to Entrepreneurship?

The focus on employer-provided health insurance in the United States may restrict business creation. We address the limited research on the topic of "entrepreneurship lock" by using recent panel data from matched Current Population Surveys. We use difference-indifference models to estimate the interaction between having a spouse with employer-based health insurance and potential demand for health care. We find evidence of a larger negative effect of health insurance demand on business creation for those without spousal coverage than for those with spousal coverage. We also take a new approach in the literature to examine the question of whether employer-based health insurance discourages business creation by exploiting the discontinuity created at age 65 through the qualification for Medicare. Using a novel procedure of identifying age in months from matched monthly CPS data, we compare the probability of business ownership among male workers in the months just before turning age 65 and in the months just after turning age 65. We find that business ownership rates increase from just under age 65 to just over age 65, whereas we find no change in business ownership rates from just before to just after for other ages 55-75. We also do not find evidence from the previous literature and additional estimates that other confounding factors such as retirement, partial retirement, social security and pension eligibility are responsible for the increase in business ownership in the month individuals turn 65. Our estimates provide some evidence that "entrepreneurship lock" exists, which raises concerns that the bundling of health insurance and employment may create an inefficient level of business creation.entrepreneurship, health insurance, medicare, job lock

Do Small Group Health Insurance Regulations Influence Small Business Size?

The cost of health insurance has been the primary concern of small business owners for several decades. State small group health insurance reforms, implemented in the 1990s, aimed to control the variability of health insurance premiums and to improve access to health insurance. Small group reforms only affected firms within a specific size range, and the definition of the upper size threshold for small firms varied by state and over time. As a result, small group reforms may have affected the size of small firms around the legislative threshold and may also have affected the propensity of small firms to offer health insurance. Previous research has examined the second issue, finding little to no effect of health insurance reforms on the propensity of small firms to offer health insurance. In this paper, we examine the relationship between small group reform and firm size. We use data from a nationally representative repeated cross-section survey of employers and data on state small group health insurance reform. Contrary to the intent of the reform, we find evidence that small firms just below the regulatory threshold that were offering health insurance grew in order to bypass reforms.Health insurance, small business

Health Savings Accounts for Small Businesses and Entrepreneurs: Shopping, Take-Up and Implementation Challenges

A combination of high deductible health plans (HDHPs) and health savings accounts (HSAs) holds promise for expanding health insurance for small firms. We provide information on HSA take-up and shopping behavior from a 2008 survey of female small business owners, revealing that the HSA marketplace can be confusing for small firms. HSAs may have expanded access to health insurance for the smallest firms (under three employees), but not for small firms more generally. A sizable number of firms offering HSA-eligible insurance did not offer attached HSAs. Firms offering HSAs were satisfied with their experiences, but faced challenges in implementing them.Health Savings Accounts, Health Insurance Costs, Small Business

Health Savings Accounts for Small Businesses and Entrepreneurs: Shopping, Take-Up and Implementation Challenges

A combination of high deductible health plans (HDHPs) and health savings accounts (HSAs) holds promise for expanding health insurance for small firms. We provide information on HSA take-up and shopping behavior from a 2008 survey of female small business owners, revealing that the HSA marketplace can be confusing for small firms. HSAs may have expanded access to health insurance for the smallest firms (under three employees), but not for small firms more generally. A sizable number of firms offering HSA-eligible insurance did not offer attached HSAs. Firms offering HSAs were satisfied with their experiences, but faced challenges in implementing them.Health Savings Accounts, Health Insurance Costs, Small Business

The Spitzer mid-infrared AGN survey. II-the demographics and cosmic evolution of the AGN population

We present luminosity functions derived from a spectroscopic survey of AGN selected from Spitzer Space Telescope imaging surveys. Selection in the mid-infrared is significantly less affected by dust obscuration. We can thus compare the luminosity functions of the obscured and unobscured AGN in a more reliable fashion than by using optical or X-ray data alone. We find that the AGN luminosity function can be well described by a broken power-law model in which the break luminosity decreases with redshift. At high redshifts ($z>1.6$), we find significantly more AGN at a given bolometric luminosity than found by either optical quasar surveys or hard X-ray surveys. The fraction of obscured AGN decreases rapidly with increasing AGN luminosity, but, at least at high redshifts, appears to remain at $\approx 50$\% even at bolometric luminosities $\sim 10^{14}L_{\odot}$. The data support a picture in which the obscured and unobscured populations evolve differently, with some evidence that high luminosity obscured quasars peak in space density at a higher redshift than their unobscured counterparts. The amount of accretion energy in the Universe estimated from this work suggests that AGN contribute about 12\% to the total radiation intensity of the Universe, and a high radiative accretion efficiency $\approx 0.18^{+0.12}_{-0.07}$ is required to match current estimates of the local mass density in black holes.Comment: 14 pages, accepted by Ap

School Leadership Interventions Under the Every Student Succeeds Act: Evidence Review - Updated and Expanded

This RAND analysis offers guidance to states and districts on how they can choose to use the Every Student Succeeds Act to help achieve their school improvement goals by supporting principals and other school leaders

Air Quality and Emissions from Livestock and Poultry Production/Waste Management Systems

The objective of this paper is to summarize the available literature on the concentrations and emissions of odor, ammonia, nitrous oxide, hydrogen sulfide, methane, non-methane volatile organic carbon, dust, and microbial and endotoxin aerosols from livestock and poultry buildings and manure management systems (storage and treatment units).Animal production operations are a source of numerous airborne contaminants including gases, odor, dust, and microorganisms. Gases and odors are generated from livestock and poultry manure decomposition (1) shortly after it is produced, (2) during storage and treatment, and (3) during land application. Particulate matter and dust are primarily composed of feed and animal matter including hair, feathers, and feces. Microorganisms that populate the gastro-intestinal systems of animals are present in freshly excreted manure. Other types of microorganisms colonize the manure during the storage and treatment processes. The generation rates of odor, manure gases, microorganisms, particulates, and other constituents vary with weather, time, species, housing, manure handling system, feed type, and management system. Therefore, predicting the concentrations and emissions of these constituents is extremely difficult.Numerous control strategies are being investigated to reduce the generation of airborne materials. However, airborne contaminants will continue to be generated from livestock and poultry operations even when best management systems and/or mitigation techniques are employed.Livestock and poultry buildings may contain concentrations of contaminants that negatively affect human and animal health. Most of these health concerns are associated with chronic or longterm exposure to gases, dust, or microorganisms. However, acute or short-term exposures to high concentrations of certain constituents can also have a negative effect on both human and animal health. For example, the agitation and pumping of liquid manure inside a livestock building can generate concentrations of hydrogen sulfide that are lethal to humans and animals.Once airborne contaminants are generated they can be emitted from the sources (building, manure storage, manure treatment unit, or cropland) through ventilation systems or by natural (weather) forces. The quantification of emissions or emission rates for gases, odor, dust, and microorganisms from both point sources (buildings) and area sources (beef and dairy cattle feedlot surfaces, manure storage and treatment units and manure applied on cropland) is being intensely researched in the U.S., in many European countries, Japan, and Australia. However, the accurate quantification of emissions is difficult since so many factors (time of year and day, temperature, humidity, wind speed, solar intensity and other weather conditions, ventilation rates, housing type, manure properties or characteristics, and animal species, stocking density, and age) are involved in the generation and dispersion of airborne materials. Furthermore, there are no standardized methods for the collection, measurement and calculation of such constituents, resulting in significant variability and large ranges in the published literature. In fact, emission rates of only a few airborne contaminants have been investigated. Ammonia, hydrogen sulfide, and methane emissions have been more thoroughly studied than other gases and compounds because of the negative environmental impacts or human health concerns associated with them. Unfortunately, there is very little emission data for other contaminants such as odor, nitrous oxide, non-methane volatile organic compounds, dust, and endotoxins. The long-term impacts of these constituents on the environment and on human health are also not known

A Pilot Study to Prevent Hearing Loss in Farmers

Objective: Determine the feasibility and outcome of a pilot program to increase farm workers\u27 use of hearing protection when performing activities with high noise exposure. Design: The study was a quasi-experimental study. Sample: Eight intervention farmers and 17 comparison farmers participated in the study. Measures: Before and after the intervention, farmers complted a survey to identify their frequency of use of hearing protection and their beliefs about hearing loss and use of hearing protection. Intervention: The intervention consisted of noise assessments, educational sessions, mailed reminders with brochures, and placement of hearing protection on the farm. Results: The intervention was effective in increasing the use of hearing prtection 1 and 2 months after the implementation of the program. Conclusion: Hearing loss is a serious problem with farmers, and yet many farmers neglect to protect their hearing with the use of protection. The pilot study findings indicate that efforts to increase the use of hearing protection by farmers can be effective