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Kluender, Raymond P. Remove Kluender, Raymond P. →

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  • September 2022
  • Article

The Impact of Financial Assistance Programs on Health Care Utilization: Evidence from Kaiser Permanente
By: Alyce S. Adams, Raymond Kluender, Neale Mahoney, Jinglin Wang, Francis Wong and Wesley Yin
Most hospitals have financial assistance programs for low-income patients. We use administrative data from Kaiser Permanente to study the effects of financial assistance on health care utilization. Using a regression discontinuity design based on an income threshold...  View Details
Keywords: Healthcare; Utilization; Financial Assistance; Health Care and Treatment; Social Issues; Poverty; Health Industry
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  • Article

Early Withdrawal of Pandemic Unemployment Insurance: Effects on Earnings, Employment and Consumption
By: Kyle Coombs, Arindrajit Dube, Calvin Jahnke, Raymond Kluender, Suresh Naidu and Michael Stepner
In June 2021, 22 states ended all supplemental pandemic unemployment insurance (UI) benefits, eliminating benefits entirely for over 2 million workers and reducing benefits by $300 per week for over 1 million workers. Using anonymous bank transaction data and a...  View Details
Keywords: COVID-19 Pandemic; Unemployment Insurance; Health Pandemics; Insurance; Employment; Financial Condition; Spending; Government Administration
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  • March 2022
  • Teaching Note

Biobot Analytics
By: Ray Kluender, Joshua Krieger and Mitch Weiss
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  • July 2021
  • Article

Medical Debt in the U.S., 2009–2020
By: Ray Kluender, Neale Mahoney, Francis Wong and Wesley Yin
Importance: Medical debt is an increasing concern in the US, yet there is limited understanding of the amount and distribution of medical debt, and its association with health care policies.

Objective: To measure the amount of medical debt nationally and by...  View Details
Keywords: Debt; Borrowing and Debt; Health Care and Treatment; United States
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  • Article

The Economic Consequences of Bankruptcy Reform
By: Tal Gross, Ray Kluender, Feng Liu, Matthew J. Notowidigdo and Jialan Wang
A more generous consumer bankruptcy system provides greater insurance against financial risks but may also raise the cost of credit. We study this trade-off using the 2005 Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA), which increased the costs of...  View Details
Keywords: Bankruptcy; Bankruptcy Abuse Prevention And Consumer Protection Act; Borrowing and Debt; Credit
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  • January 2021 (Revised December 2021)
  • Case

Biobot Analytics
By: Raymond Kluender, Joshua Krieger and Mitchell Weiss
In 2017, Newsha Ghaeli and Mariana Matus were deciding whether to leave their labs at the Massachusetts Institute of Technology, put other job opportunities aside, and dive full-time into founding a wastewater analysis start-up, Biobot. Ghaeli, an architect, and Matus,...  View Details
Keywords: Entrepreneurship; Information Technology; City; Analytics and Data Science; Personal Development and Career; Technology Industry; Utilities Industry; Health Industry; Information Technology Industry; Information Industry; Biotechnology Industry; United States; Kuwait; Korean Peninsula
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  • 2020
  • Working Paper

Bankruptcy and the COVID-19 Crisis
By: Jialan Wang, Jeyul Yang, Benjamin Iverson and Ray Kluender
We examine the impact of the COVID-19 economic crisis on business and consumer bankruptcies in the United States using real-time data on the universe of filings. Historically, bankruptcies have closely tracked the business cycle and contemporaneous unemployment rates....  View Details
Keywords: Bankruptcy; Financial Distress; COVID-19; Insolvency and Bankruptcy; Financial Crisis; Health Pandemics; United States
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  • Other Article

The Worst Part About Getting Sick Isn't Medical Bills
By: Ray Kluender
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  • Article

Myth and Measurement—The Case of Medical Bankruptcies
By: Ray Kluender, Carlos Dobkin, Amy Finkelstein and Matthew Notowidigdo
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  • Article

The Economic Consequences of Hospital Admissions
By: Carlos Dobkin, Amy Finkelstein, Ray Kluender and Matthew Notowidigdo
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  • Article

Beyond Statistics: The Economic Content of Risk Scores
By: Liran Einav, Amy Finkelstein, Ray Kluender and Paul Schrimpf
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