“…9 Several studies find different responses by white women (Joyce, Kaestner, and Kwan, 1998;Zavodny and Bitler, 2010;Yelowitz, 1994;DeLeire, Lopoo and Simon, 2011) and 6 Other outcomes include health (Courtemanche and Zapata, 2014;Miller 2012b;Yelowitz and Cannon;, insurance crowd-out (Long, 2008;Miller 2012b;Kolstad and Kowalski, 2012a;Yelowitz and Cannon, 2010), labor markets (Kolstad and Kowalski, 2012b), and adverse selection (Hackmann, Kolstrad, and Kowalski, 2012). 7 Official estimates for the uninsured rate in Massachusetts in 2008 were 2.6 percent, but Yelowitz and Cannon (2010) find that uninsured rates are underreported because the reform incentivizes people to hide their true status if they are uninsured.…”