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The Affordable Care Act requires insurers to offer cost‐sharing reductions (CSRs) to low‐income consumers on the marketplaces. We link 2013–2015 All‐Payer Claims Data to 2004–2013 administrative hospital discharge data from Utah and exploit policy‐driven differences in the actuarial value of CSR plans that are solely determined by income. This allows us to examine the effect of cost‐sharing on medical...
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