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As earlier analyses of the population without health insurance have shown, the uninsured are comprised of many sub-groups of people with different characteristics and different reasons for being without health insurance. To be able to design effective policies for providing health insurance to the different groups of uninsured people, policy makers need to know more than just the characteristics of the uninsured at a point in time. In particular, analyses of the durations of uninsured spells and transitions between insurance states are needed to provide a multi-dimensional picture of the population that lacks health insurance. Such dynamic analyses can provide policy makers with the distribution of how many people experience long versus short spells without health insurance. Further, such analyses can reveal which factors are significant in distinguishing between people who have long uninsured spells and people who have short uninsured spells.
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