America’s Nordic-Sized Welfare State

by Will Wilkinson on May 25, 2010

This Freakonomics post by Price Fishback on accurately measuring welfare expenditure is very important. The U.S. looks stingy when you look at gross transfers as a portion of GDP. But how much do recipients of assistance really end up with?

The Nordic countries collect income taxes on the cash payments made to social welfare recipients at rates that are four to five times the rates paid by American recipients.  Then when the Nordic recipients go out to make purchases, they pay consumption tax rates on their purchases that are 4 to 5 times the rate paid by the poor in America.  Furthermore, the U.S. government offers a series of tax breaks to promote social welfare that are not found in the Nordic countries.

So the gap closes when we look at net transfers. How about if we look not at welfare spending as a percentage of GDP, but at transfers per capita?

America in 2003 ranked roughly in the middle of the Nordic countries.  Per capita net public social welfare spending in 2003 (in 1990 dollars) in the U.S. was $5,400, while Sweden’s was $6,300, Norway’s $5,900, Denmark’s $5,472, and Finland’s $4,200.

Practically identical to Danish levels! But the system in the Nordic countries is more comprehensive, streamlined, and state-dominated than the U.S.’s more fragmented, variable, and privately-augmented system of assistance.

If we take into account these differences in style, the appropriate measure is net public and private social welfare expenditures per capita.  By this metric, the U.S. then leads the way at $7,800, followed by Sweden at $6,700, Norway at $6,300, Denmark at $5,800, and Finland at $4,900.

But health-care in the U.S. is more expensive. If you take that into account, the U.S. drops to Swedish levels and merely ties for first in generosity.

Nevertheless, the Nordic systems are superior by a maximin criterion. Fishback reports that Americans at the 10th percentile do as well as Nordic folk at the same position on their distributions, but Americans below the 10th percentile do much worse.

(Note for Rawls fans: Maximin in Rawls isn’t intended to apply to the unemployed, who are assumed away at the level of ideal theory, but to the productive working class. It’s not at all clear that maximizing the minimum for the working-age unemployed is at all desirable in Rawlsian terms. Insofar as productive participation in the economy is one of the social bases for self-respect, and is required by an ideal of social reciprocity, transfers that discourages labor-market participation may be verboten. If relatively stingy benefit levels for Americans below the 10th percentile lead to lower rates of low-skilled unemployment than in the Nordic countries, that may be a feature and not a bug, even on Rawlsian grounds.)

What to make of all this? First, the U.S. welfare system is very generous. The hackneyed stereotypes are wrong. Second, it’s important to remember that the U.S. has lots of states, lots of variability in state-level policy, and very unevenly distributed pockets of severe poverty. In some states, the patchy federal system is well-filled in and augmented by state and local government and by assistance from non-state civil society orgs. In some states, not so much. In any case, that Americans at the national 10th percentile do as well as anywhere in the world is a testament to the fact that the level of public assistance at this and lower levels in some parts of the U.S. are probably better than anywhere in the world. I’d bet my drinkin’ money that Iowans at the first percentile of the Iowa income distribution are as well compensated for their disadvantage as are similarly struggling Danes.

But what about inequality? What’s striking to me is that lower levels of inequality aren’t buying the Nordic countries higher levels of welfare benefits. If the relative stinginess of the U.S. safety net at the very bottom is a bad thing, but not somehow causally related to income levels at the top half of the distribution, the necessary reforms likely have nothing much to do with reducing the dispersion in incomes.

  • Peter Whiteford
    Apologies if this is a repeat

    Fishback’s paper uses OECD net social expenditure data (google it).

    What this does is look at aggregate spending components, not the distribution of benefits.

    Social spending includes social security and welfare spending, health care spending and community services (for example, child care and nursing homes.)

    However, the most important thing is that these figures include private social spending as well as public spending, so private health spending in the USA gets counted as social spending.

    The figures also take account of the impact of direct and indirect taxes both in reducing benefits and in substituting for benefits or subsidising benefits. For example, Nordic countries tax benefits rather heavily and indirect taxes are much heavier, so when you take these into account “net” spending is much less than gross spending. This does not occur anywhere to the same extent in the USA.

    In addition, the US provides support for families through the tax system in the form of the EITC and child tax credits, whereas in the Nordic countries, virtually all family support is in the form of direct benefits or services.

    For example, Denmark spends nearly 27% of GDP on the welfare state compared to 16% of GDP in the USA on a gross basis, but on a net basis (after subtracting taxes on benefits and addiing tax expenditures), Denmark spends 20.2% of GDP and the USA spends 20.1% – almost exactly the same.

    However, net private social expenditure in Denmark is only 1.3% of GDP while in the USA it is 9.4% of GDP – which is almost entirely due to the very high level of private health care spending in the United States.

    So overall the USA spends much more as a society on social welfare than Denmark, due to heavy taxes on benefits in the Nordic world, but mainly because of the extraordinarily high level of US private health care spending.

    But this does not mean that the USA is more generous to the poor than Denmark. All of the nordic countries direct more of their spending to the poor than does the USA. Tax expenditures in the USA tend to be less progressive than direct expenditures. And private health care spending is not a benefit to the poor.
  • Peter Whiteford
    Fishback’s paper uses OECD net social expenditure data (google it).

    What this does is look at aggregate spending components, not the distribution of benefits.

    Social spending includes social security and welfare spending, health care spending and community services (for example, child care and nursing homes.)

    However, the most important thing is that these figures include private social spending as well as public spending, so private health spending in the USA gets counted as social spending.

    The figures also take account of the impact of direct and indirect taxes both in reducing benefits and in substituting for benefits or subsidising benefits. For example, Nordic countries tax benefits rather heavily and indirect taxes are much heavier, so when you take these into account “net” spending is much less than gross spending. This does not occur anywhere to the same extent in the USA.

    In addition, the US provides support for families through the tax system in the form of the EITC and child tax credits, whereas in the Nordic countries, virtually all family support is in the form of direct benefits or services.

    For example, Denmark spends nearly 27% of GDP on the welfare state compared to 16% of GDP in the USA on a gross basis, but on a net basis (after subtracting taxes on benefits and adding tax expenditures), Denmark spends 20.2% of GDP and the USA spends 20.1% – almost exactly the same.

    However, net private social expenditure in Denmark is only 1.3% of GDP while in the USA it is 9.4% of GDP – which is almost entirely due to the very high level of private health care spending in the United States.

    So overall the USA spends much more as a society on social welfare than Denmark, due to heavy taxes on benefits in the Nordic world, but mainly because of the extraordinarily high level of US private health care spending.

    But this does not mean that the USA is more generous to the poor than Denmark. All of the Nordic countries direct more of their spending to the poor than does the USA. Tax expenditures in the USA tend to be less progressive than direct expenditures. And private health care spending is not a benefit to the poor.

  • US
    Some remarks from a Dane:

    1. I don't have the data at hand to back this assertion up right now, but my impression is that the poor people in Scandinavia consume a (much) larger share of the total health budget than they do in the US. Just slashing the US spending to Scandinavian levels and holding everything else equal seems like a very problematic way to take health care system differences into account - the distribution of the health care spending across income levels is likely very different in Scandinavia and the US. The national health care systems of Scandinavia also ration care of course, but income/private insurance is not nearly as big a factor here as it is in the States. No Danes are denied costly treatment because of ability to pay issues, whereas at least some poor Americans are. And poor people on average live more unhealthy lives in both Denmark and the US.

    ...

    2. Will mentions secondary education. If I understand it correctly, in the States, you generally (huge regional variation ect. ect.) get subsidized loans to pay for it. In Denmark on the other hand, you don't need debt at all to get an education - tuition when taking a university degree is free and you get government student grants on top of that which cover (at least some of) the living expenses you're incurring while taking your education. Government-guaranteed loans are available to make up the shortfall in case the grant is not enough to cover your living expenses, but it is possible to live off the grants alone (I should know - I do).

    Anyone smart and hard-working enough can become a doctor in Denmark and you don't need to go into debt to get a good education and a good job, even if your parents were poor. Some people from the lower income levels do use this chance given to them and make a better life for themselves by working hard - my roommate is the daughter of two lower-middle class parents, and she's currently finishing her second semester of medical school. Her sister is a radiologist.

    This is not to say that the Danish educational system is all that great, but I fail to see how it could possibly be much better _if_ your parents for some reason or another are not that well off and you're a smart kid who's willing to work hard. Especially as you can (still) leave the country after you've completed your education in order to get as far away from the huge tax rates as possible...

    3. A tangential note on taxation/inequality: The highest marginal tax rate in Denmark is a 15 % tax on income above appr. $75k/year. 910.000 Danes, or more than one fifth of the labor force, paid it last year. Its contributions make up roughly 3 percent of the public budget, and estimates from the The Rockwool Foundation Research Unit have shown that it's actually completely free to get rid of, because of it's huge adverse effects on the labor supply. Growth reports from OECD has time and again included recommendations that this top rate be either lowered or removed. In Denmark, politicians quite openly tax high-wage individuals simply in order to make them poorer, not just in order to pay for stuff they like.
  • Insiderman
    There are also various rules in the U.S. that de facto contribute to welfare for lower income persons. For example, the health care system cannot turn away a medical emergency. We pay that "tax" through higher healthcare premiums. The poor typically don't pay healthcare premiums, so they receive a transfer payment from those who do have insurance and pay higher premiums to cover them.
  • Do these numbers even take into account for tax expenditures? Through programs like the Hope Tax Credit, the Home Mortgage Income Tax Deduction and other such programs the US loses quite a bit of tax revenue that act as a de facto welfare program towards the middle and upper middle class who has access to eduction and home ownership. After taking a class on welfare policy in the US at college last year, I remember finding out that there is something like $650 billion to $1 trillion dollars in non-taxed revenue, most of which is done through tax expenditures that act as welfare programs enacted through the IRS tax code.

    Also, does anyone know if the Nordic countries are as much based around in-kind benefits as the US welfare system is? Or is it largely consistent of a negative income tax equivalent?
  • I'm confused by the phrase "Per capita net public social welfare spending". Well, more accurately, I understand it, but it's confusing why this data wasn't broken out by income level? I guess I'm interested in seeing how much net public social welfare spending someone at 100k a year gets, compared to say, someone at 25k a year, then those #'s in the US vs Sweden. That might be hard to do, though.

    I'm not trying to score points or anything, but I think people conceive of a welfare system as something to help people below a certain level -- so if the average got pulled up by rich people getting social welfare, then it might be confusing the issue. I realize how difficult this might be to do, because like your response to "afinetheorem" it's hard to know how much each person receives.
  • Don the libertarian Democrat
    Good to see people are finally realizing this:

    http://www.iie.com/publications/pb/pb09-01.pdf

    Did Reagan Rule In Vain? A Closer Look at True Expenditure Levels in the
    United States and Europe
    J a co b Funk Ki r ke g a a rd
    j a n u a r y 2 0 0 9
  • Isn't the obvious takeaway here that the quality of US government must be very poor? No matter where we lie politically, surely everyone agrees that the *quality* of public services are far, far higher in Nordic countries than in the US. As a mid-20s, well-below-median-income American, I essentially get zero transfers from the government, whereas in Sweden, school, health, child care, etc. would be, to some extent, paid for by the government. This is related particularly to health care and primary/secondary education, of course: how is it we spend so much, relatively, and get so little?
  • Fishback accounts for the high cost of American healthcare, the quality of which is generally high. Almost all Americans go to taxpayer-funded public schools (some abysmal, some terrific). College education at state universities (some of the best universities in the world, avg. quality very high) is massively subsidized. Americans get tax credits for having kids, and for sending them to college. I'll repeat my point about variability between states and even municipalities. I grant that public services in many places in the U.S. is relatively lousy. But in a huge country with 300 million people, it's surprising that variance in quality isn't even higher and that average quality isn't lower. The quality of services in Iowa or Minnesota or Wisconsin or Utah, etc, etc. are high by any standard, and they are generous. I went to public school and university here in Iowa on the taxpayer dime. Quality was very good. My graduate education in Illinois and Maryland (quality better than anywhere in Sweden or Denmark, but just better than average for U.S.) was mostly covered by those states, and I paid living expenses (and bought a car!) with heavily subsidized student loans (below-market interest rates, interest payments tax-deductible). My fiance is paid by the state of Iowa (with lavish health plan) to study post-grad literary nonfiction, which is pretty outrageous when you think about it.

    Have you really missed out on all this? All private schools? No student loans? No special tax deductions?
  • To some extent, point taken. On the other hand, as you say, Iowa and Minnesota and Utah do provide high quality services, but they are far from the average, at least in my experience.

    I think my point more generally was that US social services serve as a transfer scheme between groups (not so much classes in the economic sense, but certainly toward, say, the elderly and families) in a manner greater than you see in Europe. Public transit, I'll trust you agree, is abysmal almost everywhere in the US. Public school, below the university level (where quality is generally high), is on average poor, particularly given the spending - just look at the international comparisons, where we are lucky to crack the top 20, and where our worst states do spectacularly poorly. Health care is of fine quality, but I would say care (and in particular, care for those with government health care, since we're talking about public service) is unquestionably worse than a number of other countries that spend less, France coming to mind immediately.

    (As for me personally, I have spectacularly managed to miss out entirely. Private scholarship paid for all of college, 3 graduate degrees again all private and again all on funding from the university (and incredibly, not even any government grants for my research yet!), no tax deductions beyond the standard ones, and the misfortune of riding the subways of Boston and Chicago, which, I can say from firsthand experience, were no better than the subway in Pyongyang and much worse than the subways in, say, Delhi or any number of Chinese cities much poorer than the US.)
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