Abstract
We study the interaction of state and federal dependent health insurance mandates on young adult marriages. Using a new dataset on state-level mandates, we show marriage restrictions of these laws reduced marriage likelihoods by about two percentage points. When the Affordable Care Act (ACA) was enacted, its mandate ended marriage restrictions, encouraging marriage among those previously eligible for state mandates. However, among those ineligible for state mandates, it discouraged marrying to obtain insurance through spouses. The combination of these contrasting ACA effects eliminated the marriage gap. We also find these marriage effects resulted in corresponding impacts on out-of-wedlock births.
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