Professor Anne Royalty

PhD Program Director
Ph.D., Economics, Yale University, 1993
B.A., University of North Carolina at Chapel Hill, 1983
Curriculum Vitae

Office: CA 509D
Phone: 317.278.0449

Professor Royalty’s research focuses on health economics and she teaches Ph.D. courses in health economics. Her area of special interest is health insurance and health care cost growth specifically addressing four closely related areas: the effect of employer-provided health insurance on labor market outcomes; offering and take-up of employer health insurance coverage; assessments of how well insurance is working for various populations; and health care cost growth.

Professor Royalty’s work on health insurance and labor market outcomes grew naturally out of her background in labor economics in combination with an interest in the many implications of the strong link between employment and health insurance in the U.S. Other important questions that she addresses concern the offering and take-up of employer health insurance coverage since both employer offerings and employee take-up affect the growing number of Americans who are uninsured - over 50 million of the nonelderly as of 2009.  While being covered or not is the starkest difference in terms of health insurance, it is not the only important difference.  Professor Royalty has also examined how coverage options and generosity vary for households with two earners and, more recently, the implications of moral hazard for commonly used threshold measures of underinsurance.  All of these issues are exacerbated by health care cost growth.  Rising premiums will further distort labor market outcomes, make take-up decisions more difficult, and increase workers’ out-of-pocket costs.  Seeking to understand the reasons for the dramatic growth in costs over the last few decades was therefore a natural next step in working to understand how health insurance and health care costs affect the well-being of individuals and families

Selected Publications:  
  • "Moral hazard Matters: Measuring Relative Rates of Under Insurance using Threshold Measures," with Jean Abraham and Thomas DeLeire, Health Services Research, June 2010, Vol. 45, No. 3.
  • "Access to Health Insurance at Small Establishments: What Can We Learn from Analyzing Other Fringe benefits?" with Jean Abraham and Thomas Deleire, Inquiry, Fall 2009, Vol. 46: 253-273.
  • "Health Care Cost Growth Among the Privately Insured," with M. Kate Bundorf and Laurence c. Baker, Health Affairs Sept/Oct. 2009, Vol. 28(5): 1294-1304.
  • "Cost and Coverage Implications of Senator McCain’s Plan to Restructure Health Insurance," with Thomas Buchmueller, Sherry Glied, and Katherine Swartz, Health Affairs Web Exclusive, Sept. 16, 2008.
  • "Estimating Workers’ Marginal Valuation of Employer Health Benefits: Would Insured Workers Prefer More Health Insurance or Higher Wages?" Journal of Health Economics, January 2008, Vol. 27, pp. 89-105.
  • "Health Insurance and Labor Market Outcomes: Joint Decision-Making within Households" with Jean Abraham, Journal of Public Economics, vol. 90 (8-9):1561-1577.
  • "The Effect of Premiums on the Decision to Participate in Health Insurance and Other Fringe Benefits Offered by the Employer: Evidence from a Real-World Experiment," Journal of Health Economics, January 2005, pp. 95-112.
  • "Does Having Two Earners in the Household Matter for Understanding How Well Employer- Based Health Insurance Works?" (with Jean Abraham), Medical Care Research and Review, April 2005, pp. 167-186.
  • "Medicaid Policy, Physician Behavior, and Health Care for the Low-Income Population," with Laurence Baker, Journal of Human Resources, 480-502, Summer 2000.
  • "Tax Preferences for Fringe Benefits and Workers’ Eligibility for Employer Health Insurance," Journal of Public Economics, 209-227, February 2000.
  • "Health Plan Choice: Price Elasticities in a Managed Competition Setting," with Neil Solomon, Journal of Human Resources, 1-41, Winter 1999.
  • "Job-to-Job and Job-to-Nonemployment Turnover by Gender and Education Level," Journal of Labor Economics, 392-443, April 1998.
  • "The Effects of Job Turnover on the Training of Men and Women," Industrial and Labor Relations Review, 506-521, April 1996.