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2017年5月
The financial resilience of families is a critical factor in the overall health of the US economy. Americans across the income spectrum experience high levels of income and 支出 volatility, and health emergencies are among the most common economic hardships. One in six families makes an extraordinary 医疗支付 in any given year. Families’ financial outcomes worsen as a result of the extraordinary 医疗支付 and do not fully recover even a year after. This is especially true for women. The gender gap in financial outcomes widens after an extraordinary 医疗支付.
The 12bet官方 研究所 compares the financial outcomes of accounts held by women versus men and examines changes in these outcomes that result from an extraordinary 医疗支付. The 研究所 assembled a de-identified sample of more than 210,000 core 追逐 checking account customers between 2013 and 2015, for whom we could infer the gender of the primary account holder and categorize at least 80 percent of expenses.
Our findings are five-fold:
发现1: While most primary account holders were men (54 percent), low-income primary account holders were more likely to be women.
发现2: There was a gender gap in financial outcomes—women exhibited roughly 20 percent lower levels of income, 支出, 流动资产, and slightly higher credit card debt burden than men.
发现3: Extraordinary 医疗支付s represented a higher fraction of monthly take-home income for women than for men. 女性 were in a weaker financial position than men to withstand an extraordinary 医疗支付.
找到4: Immediately before making an extraordinary 医疗支付, women exhibited a larger increase in liquid assets relative to men, suggesting that they were more likely than men to delay a 医疗支付 until they were able to pay.
发现5: A year after the extraordinary 医疗支付, the gender gap in financial outcomes had worsened, leaving women with significantly more revolving credit card debt than men.
This brief underscores the importance of efforts to address the gender gap in financial outcomes and reduce debt burdens for women. 除了, should out-of-pocket healthcare costs increase due to changing tax credits or the elimination of essential benefits, women may have to shoulder more of the economic burden of receiving care. 如下所示, extraordinary 医疗支付s have negative impacts on financial outcomes, and this is especially true for women.
