Intra-household distribution of benefits: The investigators examine the effect of health insurance on the distribution of resources within the family. By ignoring that health insurance products are often designed for a household rather than for an individual (in their case, with a household-level cap), existing studies are missing potentially important distributional effects. The investigators also test whether health insurance is more likely to benefit women and children when it is provided for free relative to when households decide to purchase it. Such a behavior may arise because household willingness-to-pay for health insurance and for health care may differ depending on the health status of the different members of a household. This study's theoretical framework is based on the collective model of household decision making, which allows the investigators to model how a policy affects the distribution of resources within a household and the well-being of different household members.