Table 6.

Impact of Hospitalization on Other Credit Report Outcomes

	Any Bankruptcy to Date	Credit Limit	Credit Score	Credit Card Balances	Automobile Loan Balance
	(1)	(2)	(3)	(4)	(5)
Panel A. Non-Elderly Insured (Ages 25 to 64)
12-month effect	0.0013	−515	−1.6	−293	−102
	(0.0003)	(154)	(0.200)	(94)	(28)
	[<.001]	[<.001]	[<.001]	[0.0018]	[<.001]
48-month effect	0.0042	−2,215	−1.8	−1,208	−507
	(0.0009)	(440)	(0.500)	(253)	(71)
	[<.001]	[<.001]	[<.001]	[<.001]	[<.001]
Pre-hospitalization mean	0.034	37,664	731	11,942	6,684
Number of Individuals	383,718	383,718	371,715	383,718	383,718
Number of Observations	3,131,534	3,131,534	2,942,253	3,131,534	3,131,534
Panel B. Non-Elderly Uninsured (Ages 25 to 64)
12-month effect	0.0048	−678	−5	−264	−267
	(0.000)	(131)	(0.300)	(83)	(29)
	[<.001]	[<.001]	[<.001]	[0.0014]	[<.001]
48-month effect	0.014	−690	6.6	−443	−349
	(0.001)	(353)	(0.600)	(214)	(73)
	[<.001]	[0.051]	[<.001]	[0.038]	[<.001]
Pre-hospitalization mean	0.037	15,145	655	5,376	3,981
Number of Individuals	153,617	153,617	137,913	153,617	153,617
Number of Observations	1,256,759	1,256,759	1,017,096	1,256,759	1,256,759
Panel C. Elderly (Ages 65 and Older)
12-month effect	−0.00019	370	−1.4	72	69
	(0.0002)	(138)	(0.200)	(73)	(17)
	[0.4]	[0.0073]	[<.001]	[0.32]	[<.001]
48-month effect	−0.001	−448	−3.3	−30	194
	(0.0007)	(393)	(0.500)	(187)	(43)
	[0.16]	[0.25]	[<.001]	[0.87]	[<.001]
Pre-hospitalization mean	0.016	36,967	824	7,016	2,143
Number of Individuals	414,547	414,547	405,389	414,547	414,547
Number of Observations	2,959,802	2,959,802	2,833,027	2,959,802	2,959,802

Notes: Samples are non-elderly insured, uninsured, and the elderly (see Appendix Table 13, columns 3, 6, and 9). All columns report effects based on OLS estimates of equation (5). All variables are observed from 2002 to 2011. Standard errors (clustered on the individual) are in parentheses and p-values are in brackets. All estimates are weighted to adjust for individuals’ sampling probabilities.