Dissertation
My three-aim dissertation uses Grossman's (1972) health capital model as a unifying framework to evaluate how policy interventions — copay caps and scope-of-practice reform — affect insulin utilization, treatment quality, and acute clinical outcomes for patients with diabetes. All three aims draw on IQVIA PharMetrics Plus (2018–October 2023), covering fully-insured commercial, self-insured (ERISA), and Medicare Advantage populations.
IRA §11406 Insulin Copay Cap in Medicare Advantage
The Question
The Inflation Reduction Act capped insulin copayments at $35/month for Medicare beneficiaries effective January 2023. Does this provision reduce out-of-pocket costs, improve adherence, shift patients toward more efficacious insulin formulations, and reduce acute events in Medicare Advantage populations?
Why It Matters
Insulin affordability is a high-profile policy issue — 1 in 4 patients report cost-related rationing, with 3x higher odds of poor glycemic control. Payers, CMS, and legislators need patient-level evidence on whether the federal cap achieves its intended goals and what the downstream effects are on utilization, formulation switching, and acute events (DKA, HHS, severe hypoglycemia).
Methods
Design: Propensity score matching within Medicare Advantage on baseline out-of-pocket exposure; fallback to within-person + calendar-month fixed effects to control for deductible-phase seasonality.
Data: IQVIA PharMetrics Plus — pharmacy fills, cost-sharing, and utilization patterns in MA populations.
So What?
First patient-level MA estimate accounting for deductible-phase seasonality. First study linking the IRA cap to insulin-type substitution and acute clinical events. Presented at ASHEcon 2025.
State Insulin Copay Caps in Commercial and ERISA Populations
The Question
Over 25 states have adopted insulin copay caps since Colorado's January 2020 law. Do these caps reduce out-of-pocket costs, improve adherence, shift insulin formulation mix, and reduce acute events in commercially insured populations — and does ERISA preemption limit the reach of state-level mandates?
Why It Matters
State copay caps are the primary legislative tool for addressing insulin affordability outside Medicare. But ERISA preempts state insurance regulation for self-insured employer plans, potentially leaving a large share of the commercially insured population unaffected. Payers and state legislators need evidence on both the direct effects and the ERISA coverage gap.
Methods
Design: Callaway-Sant'Anna staggered difference-in-differences exploiting variation in state adoption timing. Secondary ERISA preemption triple-DiD comparing fully-insured vs. self-insured plans in cap vs. non-cap states.
Data: IQVIA PharMetrics Plus — commercial fully-insured and self-insured (ERISA) populations across all 50 states.
So What?
First multi-state study linking state insulin copay caps to acute clinical outcomes. Extends existing work with a longer observation window, modern staggered estimator, and clinical endpoints beyond adherence.
APRN and PA Scope-of-Practice Expansions and Diabetes Care Quality
The Question
When states grant Advanced Practice Registered Nurses full practice authority or adopt PA Optimal Team Practice, does diabetes care quality improve — as measured by HEDIS process measures and acute clinical events?
Why It Matters
A projected 139,000+ physician shortfall by 2030 makes scope-of-practice reform one of the most consequential workforce policy levers. Payers evaluating network adequacy, state legislatures weighing SoP bills, and health systems planning workforce strategy all need evidence on whether removing supervisory constraints translates into measurable quality gains.
Methods
Design: Callaway-Sant'Anna staggered difference-in-differences for APRN full practice authority. Event-study descriptive analysis for PA Optimal Team Practice (limited post-period states).
Data: IQVIA PharMetrics Plus — commercial and MA populations. State-level treatment assignment sidesteps the incident-to billing attribution problem.
So What?
First staggered-DiD evaluation linking scope-of-practice reform to combined HEDIS process measures and acute clinical events. Results speak directly to state legislatures, payers, and health systems.
Other Current Research
Emerging Hotspot Analysis of Diabetic Foot Ulcer Prevalence in Arkansas
Where are diabetic foot ulcers concentrated in Arkansas, what spatial patterns are emerging over time, and what risk factors explain the geographic distribution? DFUs are among the most costly and morbid complications of diabetes, often leading to amputation. This project uses emerging hotspot analysis to identify spatiotemporal trends, combined with explanatory modeling to identify risk factors driving geographic patterns. Findings can guide resource allocation, network design, and targeted intervention programs for payers and public health agencies.
Additional research includes a family-level cost-sharing analysis examining aggregated vs. embedded deductible structures and their impact on healthcare utilization (presented at ASHEcon 2024 Emerging Scholars Session), predictive modeling using deep learning to classify family deductible types from administrative claims, and ongoing geospatial health analytics published in peer-reviewed journals.
My broader research interests include health insurance benefit design and its behavioral effects, the economics of provider workforce regulation, geographic disparities in healthcare access, and methodological applications of causal inference to administrative claims data.
Publications
Bugolski, C., Watson, W.P., Young, S. G. "Privy by the Bay: Emerging Hotspot Analysis of 311 Reports of Human/Animal Waste Near San Francisco Pit Stop Locations." PLOS One, August 14, 2025.
In Press: Young, S. G., Truong, V., Watson, W.P., & Bogulski, C. A. "Geospatial evaluation of San Francisco, California's homeless encampment sweeps injunction." Frontiers in Public Health.
Selected Presentations
Watson, W.P., Lovell, R.L., and Bhai, M. "Impact of State Insulin Copayment Caps on Healthcare Utilization and Medication Adherence: A Study of Commercially Insured Diabetic Patients, 2020–2021." American Society of Health Economists Conference (ASHEcon), Nashville, TN, June 2025.
Watson, W.P., Owsley, K.O. "Deductible Type and the Impact on Family Utilization of Select Healthcare Services." Emerging Scholars Session, ASHEcon, San Diego, CA, June 2024.
Young, S.G., Bogulski, C.A, Watson, W.P., Truong, V. "Where can you go in San Francisco? Evaluating 311 reports of human/animal waste and the Pit Stop program." American Association of Geographers Annual Meeting, Honolulu, HI, April 2024.
Other Research Projects
Beyond the dissertation, selected research includes a family-level cost-sharing analysis examining aggregated vs. embedded deductible structures and their impact on healthcare utilization (presented at ASHEcon 2024 Emerging Scholars Session), predictive modeling using deep learning to classify family deductible types from administrative claims, and ongoing geospatial health analytics published in peer-reviewed journals.
My broader research interests include health insurance benefit design and its behavioral effects, the economics of provider workforce regulation, geographic disparities in healthcare access, and methodological applications of causal inference to administrative claims data.