Despite protracted political and legal battles, the United States is in the midst of implementing comprehensive health care reform. The Patient Protection and Affordable Care Act, signed into law in 2010, aims to expand public and private health insurance programs for about 30 million Americans through mandates, subsidies, and insurance exchanges (Congressional Budget Office 2012). Providing insurance to a previously uninsured population is expected to benefit individual and population health, but the impact will likely go beyond health access proper. Because health is a prerequisite for participation in much of social life, the consequences of the growing proportion of people with health insurance may penetrate deep into a community's social fabric to influence its ability to attract employers, hire employees, keep schools functioning, fill pews in churches, and cultivate a community's common sense of purpose. We can anticipate some of these changes by examining how a large uninsured population affects institutions, such as religious organizations and schools, prior to health care reform. A study of the impact of a population lacking health insurance on institutions beyond health care is a query into a spillover effect. The notion of spillover or collateral effects emerged in neoclassical economics as a way to specify externalities, which refer to a cost or benefit that results from an activity or transaction and that affects an otherwise uninvolved party who did not choose to incur that cost or benefit (Laffont 2008). 1 Economic spillover effects can be negative, such as when a new factory contributes to increased pollution, noise, or congestion, or they can be positive, such as a technological innovation resulting in increased trade, consumer choice, and income. In the health literature, the study of spillover effects has been concentrated in health service studies of changes in health markets (e.g.