Emily Gallagher: Publications and Papers

Selected academic publications:

Medicaid and Household Savings Behavior: New Evidence from Tax Refunds
with Radhakrishnan Gopalan, Michal Grinstein-Weiss and Jorge Sabat.
Journal of Financial Economics, Vol. 136, Issue 2, May 2020, Pages 523-546.

The Effect of Health Insurance on Home Payment Delinquency: Evidence from ACA Marketplace Subsidies
with Radhakrishnan Gopalan and Michal Grinstein-Weiss
Journal of Public Economics, Vol. 172 April 2019, Pages 67-83.

Fed publications:

Why St. Louisans Could Have Different Recoveries after Flooding
with Lowell R. Ricketts
St. Louis Fed Open Vault blog, Sept. 14, 2022.

Financial Hardship Following Hurricane Harvey
with Lowell R. Ricketts
St. Louis Fed On the Economy blog, Sept. 10, 2020.

Hidden Financial Devastation Followed Hurricane Harvey
with Lowell R. Ricketts
Federal Reserve Bank of St. Louis In the Balance, Issue 26, 2020.

Bankruptcy Rules and “Medicaid Churn” Affect Saving of Families Planning for Medical Bills
Federal Reserve Bank of St. Louis In the Balance, Issue 21, 2018.

Medicaid Can Increase Saving by Distressed Households
Federal Reserve Bank of St. Louis In the Balance, Issue 20, 2018.

Cash on Hand is Critical for Avoiding Hardship
with Jorge Sabat
Federal Reserve Bank of St. Louis In the Balance, Issue 18, 2017.

Working papers include:

Blood Money: The Financial Implications of Plasma Sales for Individuals and Non-Bank Lenders
with Stephen B. Billings and Lowell R. Ricketts
Institute for Economic Equity Working Paper, Posted October 2021.

Human Capital Investment After the Storm
with Stephen B. Billings and Lowell R. Ricketts
Institute for Economic Equity Working Paper, Posted May 2020.

Health Insurance as an Income Stabilizer (PDF)
with Nathan Blascak, Stephen Roll, Michal Grinstein-Weiss.
Working Paper, February 2020.

Can Pre-Commitment Increase Savings Deposits? Evidence from a Tax Time Field Experiment
with Stephen Roll, Michal Grinstein-Weiss, and Cynthia Cryder.
Working Paper, October 7, 2019.

Rules of Thumb in Household Savings Decisions: Estimation Using Threshold Regression
with Radhakrishnan Gopalan, Michal Grinstein-Weiss and Jorge Sabat.
Working Paper, September 17, 2019.

Let the Rich Be Flooded: The Unequal Impact of Hurricane Harvey on Household Debt
with Stephen B. Billings and Lowell R. Ricketts
forthcoming at Journal of Financial Economics
Working paper version, Posted June 2019.