Resolution of Nonmarital Adolescent Pregnancy and the Transition to Adulthood: Educational Attainment and Financial Well-being

This paper compares educational and financial outcomes in early adulthood for four groups of men and women: those who never experienced a nonmarital adolescent pregnancy, those who ended a nonmarital adolescent pregnancy by abortion, those who married or cohabited and became parents in response to an adolescent pregnancy, and those who became parents but did not marry or cohabit following an adolescent pregnancy. The analyses are based on self-reports of 6,074 young men and women who were first surveyed as seventh grade students in Houston, Texas in 1971 and surveyed again between 1980 and 1988. Educational and financial outcomes in adulthood vary significantly depending on the occurrence of a nonmarital adolescent pregnancy, the resolution of nonmarital adolescent pregnancy, and the age at which adolescent pregnancy occurs. Results are discussed in relation to public policies encouraging family formation and educational support and occupational training for teen parents.     

The effects of state policy design features on take-up and crowd-out rates for the State Children's Health Insurance Program.

We evaluate the effects of state policy design features on SCHIP take-up rates and on the degree to which SCHIP benefits crowd out private benefits. The results indicate overall program take-up rates of approximately 10 percent. However, there is considerable heterogeneity across states, suggesting a potential role of inter-state variation in policy design. We find that several design mechanisms have significant and substantial positive effects on take-up. For example, eliminating asset tests, offering continuous coverage, simplifying the application and renewal processes, and extending benefits to parents all have sizable and positive effects on take-up rates. Mandatory waiting periods, on the other hand, consistently reduce take-up rates. In all, inter-state differences in outreach and anti-crowd-out efforts explain roughly one-quarter of the cross-state variation in take-up rates. Concerning the crowding out of private health insurance benefits, we find that between one-quarter and one-third of the increase in public health insurance coverage for SCHIP-eligible children is offset by a decline in private health coverage. We find little evidence that the policy-induced variation in take-up is associated with a significant degree of crowd out, and no evidence that the negative effect on private coverage caused by state policy choices is any greater than the overall crowding-out effect. This suggests that states are not augmenting take-up rates by enrolling children that are relatively more likely to have private health insurance benefits.