Score contribution per author:
α: calibrated so average coauthorship-adjusted count equals average raw count
We study the effects of a health insurance subsidy in Ghana, where mandates are not enforceable. We randomly provide different levels of subsidy (1/3, 2/3, and full) and evaluate the impact at 7 months and 3 years after the intervention. We find that a one‐time subsidy increased insurance enrollment for all groups in both the short and long runs, but health care utilization in the long run increased only for the partial subsidy group. We find supportive evidence that ex‐post behavioral responses rather than ex‐ante selective enrollment explain the long‐run health care utilization results.